information on credit scoring and clearing debt

[AMYHUDD2014]

hi everyone,

 

reading your posts and advising some other people

 

i decided that advice was perfect

 

it was to get my credit report free

 

and then try to get on the right path to becoming debt free.

 

i have small little debts few hundred here and there from when i was young 18-19 that id like to clear off now i have children

and a home so i can obtain credit in the future if needs must or mortgages etc.

 

started off excited and posotive ended up really upset.

 

i have put my correct details into every agency offering free credit reports and they claim to not be able to verify my identity.

 

what am i supposed to do now.

 

some of these debts i cant even remember

 

i just know i wont have paid them

 

i had a store card i know at some point spent £114 and

another catalouge account i spent £110 i remember that but not who.......

 

i really want to start to pay off these little debts so i can owe nothing and improve my credit rating for the future.

[dx100uk]

if you cant get you credit report

 

how do you know its bad?

 

have you moved in recent times?

 

have you a card registered at your current address

[AMYHUDD2014]

hi

 

well i dont know what its like at all,

 

i just know for sure as an irresponsible teenager i avoided paying things

 

i wasnt bothered about having and i have applied for credit in the passed and been refused.

 

yes i do have a card registered at this address i have been here nearly 2months,

 

is it worhth waiting a few more weeks and trying again?

 

im just dissappointed because i really wanted to get my finances into shape and start saving for the future

[dx100uk]

did you try both old and new addresses

 

dx

[caro]

How long ago would the debts have been? Could they be statute barred?

[Bandit127]

You may well have better luck with a paper request for a paper report. It will cost you £2 for each.

 

See the guide here:

http://www.which.co.uk/money/credit-cards-and-loans/guides/your-credit-report-explained/checking-your-credit-report/

 

It has been many years since I did it the old fashioned way but I think full name, date of birth, current and previous address did the trick. Along with my signature at the bottom.

[ramsay2014]

a quick question on behalf of a sixteen yr old. can a bank give them an overdraft and than send debt collectors to collect the debt

[caro]

a quick question on behalf of a sixteen yr old. can a bank give them an overdraft and than send debt collectors to collect the debt

 

No and no.

[caro]

You may well have better luck with a paper request for a paper report. It will cost you £2 for each.

 

See the guide here:

http://www.which.co.uk/money/credit-cards-and-loans/guides/your-credit-report-explained/checking-your-credit-report/

 

It has been many years since I did it the old fashioned way but I think full name, date of birth, current and previous address did the trick. Along with my signature at the bottom.

 

I've just ordered a £2 experian report on line.