Hi,
Will I ever see light at the end of the tunnel? Everytime I log into Experian I just want to throw in the towel. It does not make sense for some of the data it presents to me. It does not seem to take into account a good salary of £41k for a 24 year old.
Credit History Summary
Number of credit accounts (including those settled)11
Amount of available credit (excluding mortgages) £361
% of your total credit being used (excluding mortgages) 86%
Amount of outstanding debt (excluding mortgages) £5,723
Number of accounts overdue 2
Number of missed or late repayments in the last year 2
I also have the below defaults, all settled minus my Halifax which I am working with them to negotiate.
I have been daft but will I ever make it on to the property market?
The biggest loan is HP and this ends next May 2014 with me owning the car outright:
LLOYDS TSB BANK PL... Current Account Satisfactory £1,829 10/03/2013
HSBC BRANCH BANKIN... Current Account Default Satisfied 07/10/2012
SANTANDER CURRENT ... Current Account Satisfactory Settled 17/01/2010
EVERYTHINGEVERYWHE... Communications Satisfactory Settled 02/12/2012
EVERYTHINGEVERYWHE... Communications 1 payment late £198 07/04/2013
BLACK HORSE LTD Hire purchase/C... Satisfactory £3,286 07/04/2013
SHOP DIRECT FINANC... Mail order Satisfactory Settled 10/04/2011
SHOP DIRECT FINANC... Mail order 1 payment late £410 07/04/2013
HALIFAX Current Account Default £435 10/03/2013
LOWELL PORTFOLIO I... Communications Default Satisfied 27/01/2013
NEXT DIRECTORY Mail order Satisfactory Settled 10/03/2013
Will I ever see light at the end of the tunnel? Everytime I log into Experian I just want to throw in the towel. It does not make sense for some of the data it presents to me. It does not seem to take into account a good salary of £41k for a 24 year old.
Credit History Summary
Number of credit accounts (including those settled)11
Amount of available credit (excluding mortgages) £361
% of your total credit being used (excluding mortgages) 86%
Amount of outstanding debt (excluding mortgages) £5,723
Number of accounts overdue 2
Number of missed or late repayments in the last year 2
I also have the below defaults, all settled minus my Halifax which I am working with them to negotiate.
I have been daft but will I ever make it on to the property market?
The biggest loan is HP and this ends next May 2014 with me owning the car outright:
LLOYDS TSB BANK PL... Current Account Satisfactory £1,829 10/03/2013
HSBC BRANCH BANKIN... Current Account Default Satisfied 07/10/2012
SANTANDER CURRENT ... Current Account Satisfactory Settled 17/01/2010
EVERYTHINGEVERYWHE... Communications Satisfactory Settled 02/12/2012
EVERYTHINGEVERYWHE... Communications 1 payment late £198 07/04/2013
BLACK HORSE LTD Hire purchase/C... Satisfactory £3,286 07/04/2013
SHOP DIRECT FINANC... Mail order Satisfactory Settled 10/04/2011
SHOP DIRECT FINANC... Mail order 1 payment late £410 07/04/2013
HALIFAX Current Account Default £435 10/03/2013
LOWELL PORTFOLIO I... Communications Default Satisfied 27/01/2013
NEXT DIRECTORY Mail order Satisfactory Settled 10/03/2013