Ahhhh i wasn't sure which ones were 'related' and which ones weren't - thanks for the info!! Have you read the info about the credit agencies changing the way they score you, i had a look at my report and it looks a lot better but im not sure how it will affect my score overall - pretty scary cause i wouldn't have known about ...

Hi, not that im an expert but iv been advised that there's not such a thing as being 'black listed' - different companies use ur score differently so it might be worth checking some of the posts on here for advice - there's some excellent references for reputable companies!! Just cause one company refuses you doesn't mean ...

that's terrible that the credit card company wont help - is there any way that you could check out getting a loan to consolidate all your debt into one lower payment?? I know that some of these loans are secured on your home but if you are at risk of losing it anyway then where's the harm and if you know you can manage the payments better ...

I have about £2,000 on credit cards and catalougue's the rest would be my mortgage and unsecured loan on the house.... with any luck this will be seen as good!! This money malarky sure is mind boggling!!! x

phew... least i can keep an eye on it!! I just went on and checked and its a totally different layout which looks loads better but it says i can't get my credit score as the site is being reviewed.... it does say im using 48% of my borrowing facility - do you think this is good or bad?? thanks,

OH MY GOD is that a joke.... Iv only checked my report once as im not sure if it affects your score checking it all the time??? Last time i looked mine was 766 out of 1000 which i thought was pretty good.

Can you believe since i posted on here weeks ago I still havn't had a response from Natwest with regards to a Step Account.... im absolutely dumb struck that I havn't received anything with regards to a decline or an acceptance but even funnier than that is that I am with Bank of Scotland and have a Visa Electron, suddenly my bank have ...

Hi, Does this still stand as far as your aware - my current credit score is 766 out of 1000 on Experian and i can't seem to get a joint bank account with my partner.... iv had credit problems in the past but they are all in order and i have a mortgage and payments have never been missed. Any assistance you can provide would be great as this ...

Hi There, I have been following all of these posts with great interest... i got myself into some financial difficulties when my mum and dad split up 4 years ago, I moved up to another town with my mum whilst my dad stayed in the house and i couldn't get to all my bills... anyhoo the problem i now face is that in 2006 i got a mortgage for my ...