Equifax Credit Report Uk
2010
Default on numerous accounts and serious arrears!!! HELP – UK enquiry?
I have just received a copy of my three credit reports and they make very scary reading. I have four defaults and some serious arrears, consequesntly this has ruined my credit rating/history. My scores are 634 with experian/482 callcredit & 456 with equifax. My January 2009 all of my outstaning credit accounts will show a 0 balance.
Can anyone advise as to how I can improve my scores. I have just changed all of DD/SO so that they come out of my bank well in time of due dates. I was hoping to buy a house in December 2009/January 2010 at which point there will be approx 18 months of never missing a credit payment and there will be 0 arrears between now and then. Will this do me any favours. Also, I have spoken to the companies who have given me very harsh defauls, NTL/T-mobile & Cahoot again the balances of these will all be clear by Jan 2009 but presumably will still show as outstanding on my account. I know this is a long query but is very important to both me and my future. 
Its taken me years to sort this out (my own fault for trusting my ex) i have paid everyone off but I’m still stuck with 3 defaults that i can;t get rid of until 6 years has past since the default was recorded .
My advise comes without hesitation , it may sound incredible but it is true and god i wish someone had told me before i paid off my debts .
Do not pay anyone !
Force them to take you to court !
A judge will NOT ask you to pay more than you can afford .
You may find that you are ordered to pay perhaps a £100 for court costs on top of your debts
BUT
The minute your debts are paid you can go to the courthouse show your receipt and pay £10 .
For this all history of your debt will be erased .
So if a judge ordered you to pay £5 a month and you paid voluntarily £500 a month nothing could be done about it .
So it is the fastest way to repair your credit .
I know it sounds incredible but while trying to do the decent thing and settle your debts in accordance with your creditors wishes you are actually destroying your own chances of putting the debt behind you .
Even if you paid them all off tomorrow defaults remain on record for 6 years !
CC J’s can be paid off and removed from your credit history in about 2 weeks .
Good Luck .
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