Credit score

[Tenray1234]

Hi

l am just wondering if anybody can help me.

 

 

This is situation

l have had a mortgage since 2007 and was fully employed.

My problem started in 2013 when l defaulted

l had financial difficulties as l was in between jobs

this led to me defaulting on a credit card from Lloyds tsb which l had since 2005

 

 

the case was sent to the debtors but l have since paid it off,

and also had a store card with next which l had defaulted in the same year

but l have also paid it off and settled with them.

And l also have one late payment on my mortgage since 2007 when l took out the mortgage.

 

 

I have since paid off most of my credit and store and closed the accounts

and now left with one credit card and store card which l am keeping to try

and build my credit score.

 

 

When l look on Noodle which credit reference website my credit score is 525 which is poor.

 

I am now fully employed and back on my feet

 

 

is there anyway l can improve my credit score as l have paid off outstanding debts

as l am looking to get a new mortgage soon

and l can not afford to wait for 6 years for my credit score to improve.

Edited February 25, 2016 by dx100uk

[citizenB]

What are the default marker dates on your credit file ? 2013 ? the damage should only be for 6 years from the date the default marker was first placed.

[citizenB]

Which credit reference agency are you using ?

[dx100uk]

noodle

not a lot you can do sadly

paying your debts does not improve your credit rating

 

 

a default is there for 6yrs

paid or not.

 

 

dx

[Tenray1234]

noodle

not a lot you can do sadly

paying your debts does not improve your credit rating

 

a default is there for 6yrs

paid or not.

 

dx

 

Is they anything l can do to build my credit score

like getting those credit cards for poor credit to build my credit score.

Or could experian help me

 

 

someone said if you sign up to experian they can contact the creditors

and they will issue a certificate which goes on my file

which will help build my credit score

because l really need to get a second mortgage in the next year

as family now bigger and l cant really wait for 3 years

if there is any other way can someone help

[Tenray1234]

What are the default marker dates on your credit file ? 2013 ? the damage should only be for 6 years from the date the default marker was first placed.

 

Default marker dates are 2013.

 

 

My question is

 

 

my credit score is currently 525 and l want to increase my credit score

is there anything l can do like get those credit cards for poor credit

could this increase my chances or contacting experian

 

 

could this help my credit score as l am looking to get a new mortgage soon

 

 

because l need a bigger house.

 

 

So wondering if there is any hope for me because 3 years is a long time to wait if there are other options

[dx100uk]

no

those cards are a myth

 

 

never heard of any amendments making any odds either

[Tenray1234]

no

those cards are a myth

 

 

never heard of any amendments making any odds either

 

 

Okay thanks for the information. I guess no hope for me then.

[dx100uk]

in the debt summary line

what is the quoted defaulted dates please.

{NOT THE MONTHLY CALANDER MARKINGS]

 

 

dx