Repair Credit Fast | UK | First Time Buyer Secrets
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- BAD CREDIT ?
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How to Repair Your Credit Fast
So you have had a hit on your credit file, and you really want to rebuild your credit to buy a property. In this video I go through the breakdown of reading your credit file, what it means and how to repair it in the quickest possible time.
*** Show Notes, and Resources ***
How to Repair Your Credit Fast
- How to read your credit file
- CCJS and Defaults
- Missed payments
- Amounts and Timing
- How Mortgage Lenders view your file
- What to do next
- Putting a plan in place
**Understand Your Credit File**
Enquiry Form: mortgagechain.co.uk/contact
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***SHOW NOTES
CHECK MY FILE - This is step 1 as a First Time Buyer. Check your credit file!
Free Credit File Check. Check your credit score from the outset! Use checkmyfile as they provide reports of all three credit file agencies the mortgage lenders use to credit score you, on one file (Experian, Equifax and Transunion)
checkmyfile offer a 30-day free trial which is then £14.99 a month thereafter and can be cancelled at any time.
Check my free credit score now:
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Credit Score Tips Playlist:
• Credit Score Tips
Money Savings Tips Playlist:
• Money Savings Tips
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***SHOW NOTES & LINKS
Enquiry Form: mortgagechain.co.uk/contact
Book a Free, No Obligation Call with Alex Book Now:
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DISCLAIMER: This video and description contains affiliate links via the above checkmyfile, Uswitch and credit ladder links, which means that if you click on one of the product links and purchase the product, I’ll receive a small commission. This helps support the channel and allows us to continue to make videos like this. Thank you for the support!
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*** About This Video *** In this video Alex Kerr from Mortgage Chain, who specialises in mortgages for first time buyers discusses the ways to repair your credit fast.
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⚡QUESTION OF THE DAY: Are you wanting to repair your credit history ? Let me know! 👇👇👇
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
#creditfile #repair #alexkerrmortgage
This video was very helpful. I will definitely be emailing when I've got enough deposit ready 👍
Thank you for this! This has.been very reassuring.
My credit score was 571 and I couldn’t get approved for a loan, a car and a house... NOTHING! It was draining in every aspect of my life because I got kids I have to protect their future. A few weeks later, my score suddenly shot up 830, Hackergold02 on instagram he’s truly honest about what I want and what is expected of me to do. He told me it would take a few weeks to get it done approximately a week and he kept to his word. Now I can thank him enough. Get in touch with him today and make a bright future tomorrow. Hackergold02 on instagram, they are really the best trust me you can even message them on WhatsApp +1 (551) 444‑9099
Alex and your team or whoever is working with you, guys you must have so much passion, compassion, patience! you just love helping people, guys you are amazing and thank you for doing what you do, with such respect you don't seem to be put off by same questions asked repeatedly, it shows that you love what you do keep up the good work! 👏👏
I did use the services of a programmer called Michael Gibbs from Credit Patch Up LLC to get rid of bankruptcies and hard inquireis off my credit report and my score was also boosted to 790+ within few days. You can get to him via [Gibbs@creditPatchup.com] if you're in need of any credit help or advice.
Really solid video, helps me to understand the website better, glad I clicked on it
Glad this helped you Shahid, thanks for watching!
Amazing 🤩
Hi your video has given me much confidence, I’m in a bad position with my credit file and I really would love your help and advice. I will email you my credit report. Thank you so much totally amazing video
No worries!
Repair Credit Fast | UK > Wait 6 years for the defaults to drop off your file. WOW that was FAST
I am guessing some people want a mortgage within the six years
Hi, first of all just wanted to say that I just found your channel and can't stop watching- so much great informations! Thank you so much!
Could you advice me what to do best in our situation. Me and my husband have 4 credit cards between ourself (one is mine, 3 his- but for us it doesn't matter cause we keep and pay off our money together) which we are paying off regularly and they all 0% interest. We pay them off regularly and have plans how much we need to pay to pay them off while they are 0% rate, 2 are finished in 6mths, the other 2 are a bit longer. We also have a bit of saving and ware thinking of buying a house in about 6 months. If we going to pay them off now then we will probably need to save for another year for a deposit.
What we should do? Are we even going to have any chance for a mortgage if we would still have a balance on 2 credit cards? Or should we rather pay everything off now and start saving from a begging? Is it actually true that paying off your credit cards with a bigger lump of money may hurt your credit score?
Sorry for such a long question but I am really clueless here what to do best now.
Hi Dorota, thanks for your kind words! Hey best thing to do is book a free, no obligation “analysis call” so we can go through it. I am away next week but diary will open up from week after. Link here - outlook.office365.com/owa/calendar/MortgageChainLtd@mortgagechain.co.uk/bookings/
Really appreciate this video, really put my mind at ease knowing I actually do have a chance of being accepted for a mortgage with my partner who has 2 defaulted accounts which he had cleared the balances of 1 year ago, one was about £150 and the other was about £350. I thought we had no chance! Thank you so much :) I will be emailing in hope you can help us first time buyers soon!
This is same for me. What do I do? :( x
Hi Lauren, please email freecreditfilecheck@mortgagechain.co.uk and follow the instructions that come back, so we can check your file and advise! Alex
Really all time I’ve worried about getting a mortgage I waited till I sorted all my credit file out six years if I knew this sooner I would’ve got a mortgage out by to let Mortgage out a lot sooner bloody hell😊
Hi Alex, thank you for your video, really good information. I wanted to some advise. I currently had a look at my credit report and I have a lot of miss payments ( Thames water) this I from 2015. I have not been any defaults and I have one CCJ (2015). I would like to know if the missed payments will have an impact on me getting a mortgage?
Hi Hermana, can you send your credit report to me so I can take a look ? And I can come back and let you know what you know if we have some options available to us :-) alex@mortgagechain.co.uk
Eight (8) out of the twelve (12) negative items on my report are actually medical bills dating back to 2016 when I had cancer, lost my job and had no insurance. It literally took everything from me brought my score down to 525. Recently I was interested in buying a house and was looking into a USDA loan but was denied because of my credit condition. I made research online and had Credit MasterFix LLC Group fix my credit. After the process, I got the loan and the home because my score was raised to 793 and all negatives were wiped out completely and I recommend them for you too. contact: (ROY at CREDITMASTERFIX. C O M, or WhatsApp them on +1 713 364 5268).
Hey Emma, have you I recommend you use Lexington credit repair. Really good , no cap 🧢.... get to find out yourself creditrepairlexington08@gmail.com
Hi Alex
Its a great initiative and thank you for that. I would like to know few things about first time buyer. Whats idle method to get in touch with you?
nusrat rahman alex@mortgagechain.co.uk :-)
One of the quickest and safest way is to hire a professional credit score specialist who can lawfully and economically re-establish your credit score and remove negative items. I was able to employ (Jon@creditpatchup.com) who helped me erase all bad items permanently. He was also able to remove damaging items like evictions and foreclosures from my credit file! He can provide ethical, powerful, and affordable credit repair service. Right now I have an excellent score grade and all my credit debts have been wiped off. Get on your way to strong credit again.
My credit score was 571 and I couldn’t get approved for a loan, a car and a house... NOTHING! It was draining in every aspect of my life because I got kids I have to protect their future. A few weeks later, my score suddenly shot up 830, Hackergold02 on instagram he’s truly honest about what I want and what is expected of me to do. He told me it would take a few weeks to get it done approximately a week and he kept to his word. Now I can thank him enough. Get in touch with him today and make a bright future tomorrow. Hackergold02 on instagram, they are really the best trust me you can even message them on WhatsApp +1 (551) 444‑9099.
Hi , great video , I have a question I have a credit card that has been in default from June 2014 so nearly 6 years however it has a balance on it , I want to make an application for a mortgage soon and need to improve my credit rating , do I pay the credit card off ?? Or wait until July 2020 when it should have dropped off ?? Thanks I’m advance
Michael Gawthorp hi Michael, how much deposit are you going to put down ? Alex
I have a very bad credit history at the moment, I’m looking to get all my debts payed off in the next 1-2 years and then hoping to save around 10,000 in the next 4 years. Do you think I’m likely to get credit for a mortgage once the debts are payed off or do I have to wait till 6 years after I’ve cleared my credit history?
This is the most recent adverse credit video we have done which will provide a lot of information. Please check it out!
th-cam.com/video/bkm7A96G53U/w-d-xo.html
Hey how do you remove a default from 5 years ago which is £371. Based on what you said... I am still not finding a lender suitable. ?
Hi Mandy, you cannot remove a default, however if its just one, there is definitely options for you... Please feel free to get in touch and explain your situation so we can check if you have options. mortgagechain.co.uk/contact-us
Hi Alex
All of your vds are really helpful.
My husband has some issues wilth his credit file. It's mix up with his twin brother as they hv very similar name. Wt shall we do now?
Get your credit report from checkmyfile - link below. This will provide you reports from all credit agencies, so you can see if the mistake is on more than one credit agency.
Then get in touch and explain the situation and they will help correct it.
Link - www.checkmyfile.com/credit-report.htm?ref=alexkerr&cbap=1
Let me know how you get on!
Alex
I recommend a very good specialist Michael Gibbs [Gibbs@creditpatchup.com] who helped me so much to improve my credit score and removed all negative items that I didn’t want. My score was 510 and after 9 days it was boosted to 790. I was very pleased and desire to share this with the world. I was not sure he would actually do it because I have been scammed twice. He told me all I need to do which I humbly did without hesitating in less than a week I saw the miraculous job, I couldn’t believe it. And I got a mail from credit bureau confirming the good job he did. Contact email [Gibbs@creditpatchup.com] Cheers.
@@alexkerrmortgage thank you so much Alex.
I will follow the instructions and will get back soon.
Thank you so much for providing these information for us. I have 2 questions if it’s ok please. I am 24 and really didn’t have any credit file I have only starting opening credit cards and bank cards for the past 2 year. Would this have a problem when applying for a mortgage? Also another question is I work full time and earn £25,000 a year. I have a child I get child benefit for him, I wanted to get the help to buy equity loan with 10% deposit, but I read online on a forum someone got declined based because she got child benefit is this correct? For the ( help to buy equity loan application )
Thank you in advance
To my knowledge this shouldn’t be declined based on that, however always lots of factors to take into account. What sort of property price are you hoping to buy ?
alexkerrmortgage thank you for your reply, around £150,000 I have about £20,000 in saving credit score is poor only because i don’t have much history. Are you specialise in help to buy? If so can I get your email to talk more please. Once again thank you
Julie Mayala hi Julie, yes we specialise in Help to Buy! My email is alex@mortgagechain.co.uk look forward to hearing from you! Alex
Hi Alex, I have 1 ccj on my report and it will disappear March 2021, would it be best to wait until this is cleared before applying for a mortgage? Also would this effect my credit score going up as it doesn't really seem to moving all that much and I pay everything off in time with no missed payments? I'm using clear score at the moment but I will use your link and check it.
Hi Rhys! If you can email me your report and an overview on what you want to do, that would be helpful! alex@mortgagechain.co.uk
@@alexkerrmortgage sent over, thanks
Hi Alex,
What if my credit file is clean in terms of defaulted payments, late payments and CCJs. But there is a gap with my address history on the voters register. Would that be harmful for a mortgage application?
Hi Thomas, as long as you updated it then you should not be penalised because of this...
Hi Alex, would I stand much higher chances of getting first mortgage by providing a full two years of dentless credit report?
Hi, thank you for your question. What happened before the 2 years, any adverse ?
My credit score was 571 and I couldn’t get approved for a loan, a car and a house... NOTHING! It was draining in every aspect of my life because I got kids I have to protect their future. A few weeks later, my score suddenly shot up 830, Hackergold02 on instagram he’s truly honest about what I want and what is expected of me to do. He told me it would take a few weeks to get it done approximately a week and he kept to his word. Now I can thank him enough. Get in touch with him today and make a bright future tomorrow. Hackergold02 on instagram, they are really the best trust me you can even message them on WhatsApp +1 (551) 444‑9099
Yes please
Sorry for the delay, I missed this. Are you looking for help on a bad credit Mortgage ?
Hi Alex, I only recently start to look at my credit score and it’s shockingly low… I have 2 late payment records from my utility company for a bill of £75 in April and May 2021 being 3 months and 4 months late. It’s the old utility company when I moved in. I have cleared the outstanding balance and all other history is in good standing, how long would it affect my score? I’m considering to buy a house in about 1 to 2 years time, would it be enough time to repair the score? I’m on a working visa would that impact me to get a mortgage? It took a dive of 117 in 1 month and now it’s sitting under band ‘very poor’ 😭 although other reasons could be that I opened my first credit card in August and Reduced the average account age as they’re labeled as high risk.
Please do get in touch throughout enquiry form so we can respond to you and let you know how we can help - www.mortgagechain.co.uk/contact-us/
I have 9 defaults and 3 CCJ satisfied from the period 2017-2019, I have paid all my debt back after how long do you think I could apply for a buy to let mortgage?
I imagine everything would have need to have been satisfied for at least three years for some options.
Hi iv only ever had my phone on credit would this affect me getting a morgage
Having a phone on credit would not affect you getting a mortgage, but a lack of the credit history may do. Have you checked your credit file from check my file ?
Hi I have a question. I am not British citizen. I have a permanent residency but no right to vote. As I missed my registration on paper. There is no way to update my status. My credit score take my previous address forever. Is there any solution? I asked local council and credit rating agency. All they can’t help…
Hi Deas, I am not sure there is a solution to this I afraid.
Will a notice of correction to say you had poor health therefore couldn’t work help if you apply for credit?
I am afraid this would not be the case... Only goes on credit score. Feel free to send your credit file for a free check. Alex
My credit score was 571 and I couldn’t get approved for a loan, a car and a house... NOTHING! It was draining in every aspect of my life because I got kids I have to protect their future. A few weeks later, my score suddenly shot up 830, Hackergold02 on instagram he’s truly honest about what I want and what is expected of me to do. He told me it would take a few weeks to get it done approximately a week and he kept to his word. Now I can thank him enough. Get in touch with him today and make a bright future tomorrow. Hackergold02 on instagram, they are really the best trust me you can even message them on WhatsApp +1 (551) 444‑9099
Hi Alex, I have 3 defaults on file 1 over 3 years old and 2 coming up for 1 year all are satisfied as of this month. My partner has perfect credit and we have a large deposit due to him already having a property to sell. Do we stand a good chance in getting a mortgage with a good rate? Income is over £80k joint and we have minimal debts in terms of loans and credit card repayments. Thanks Sian
Hi Sian, thank you for your question… I think we could work with this as you have a big deposit! If you would like to go through your options feel free to call in and book a free analysis call. 01245333222
I had a damaged credit issues which include the following: bankruptcy, eviction filling and outstanding rental balance, delinquent state and federal tax debts, a horribly low credit score which affect my credit report. Michael Gibbs from CREDIT PATCH UP LCC came to rescue me and He started the repair which he concluded within a week. He raised my score to 780+, payoff my debts and apply new credit cards with good limit. You can also search on [Gibbs@creditpatchup.com], He is a well known debt relief with a lot of experience.
liked your vid. emailed you
Got it!
Hi Alex, i have a curiosity that if we get one small DD like £100 a month for 2 years ( there is no other loan only kind of monthly or quarterly payment for tv licence, car insurance and mobile phn little as £15). Does it effect credit score to apply for Mortgage? Thank you
Hi Sashi, Taking out credit can reduce your credit score, but as long as you do not miss payments then this will not affect your credit score in a negative way.
@@alexkerrmortgage Thank you Alex for reply. We are planing this year to apply for mortgage. This new amount about £2000 will be the new credit for 2 years DD starting from February 2022 Please suggest weather it is ok or not. Thanks a lot.
I have 6k in debt which I can now clear off in total once this is done can I apply for a mortgage or do I have to wait 6 years
When you say 6K in debt, have all the payments been met on time ? If so then you can apply for a mortgage at any time.
Hi Alex. I wanted to buy a house with my partner but when we looked at his credit (which he had never done before) we realised that there are a lot of defaults and missed payments for small amounts (which we've now cleared up) but the biggest thing is there is an IVA that is registered in his name but when we contacted the issuing company they confirmed that it shouldn't be on his account at all. We've been trying to contact the referencing agencies to ask for it to be taken off his record since January but haven't had anything back. Is there any advice for us with that and how would it affect our ability to buy a house together. (I have relatively good credit, with only a couple missed payments from last year and I'm working to clear off my credit card now)
A 2nd question. My sister has agreed to buy a house jointly with me if I can't with my partner. We're both first time buyers. If we used the help to buy for my house would she be able to use the help to buy for her house after.
Thank you.
Hi Monika, I am afraid your cant buy with your sister unless she actually lived in the property as well ?
@@alexkerrmortgage hi, yeah she would be living with us for atleast 2years after the purchase.
I had a damaged credit issues which include the following: bankruptcy, eviction filling and outstanding rental balance, delinquent state and federal tax debts, a horribly low credit score which affect my credit report. Michael Gibbs from CREDIT PATCH UP LCC came to rescue me and He started the repair which he concluded within a week. He raised my score to 780+, payoff my debts and apply new credit cards with good limit. You can also search on [Gibbs@creditpatchup.com], He is a well known debt relief with a lot of experience.
I'm looking to buy my first home and i'm building my credit score up, i wanted to ask does having a car on finance affect your chances of getting a mortgage. I've been told different things that it will show that you have been given credit and the other is that you have to much credit, can someone clear this up for me??
Hi Aidan, can you please email me your credit file so I can take a look and advice accordingly! alex@mortgagechain.co.uk
I have my credit score repair by Nightwalkerhacker62 @yahoo .com / _dan_cantu_14 on IG and clear my criminal record
Hey alex, got a question 😐 I'm currently in the middle of repairing my file. I have 4 defaults , late payments and all the good stuff for destroying credit reports. I started in january and so far I have no missed payments since then (BT, o2 and car insurance) and all Bill's and loans (paid off all loans in full 3 years early) are upto date.
I have paid off all of the defaults which are all 3 years old. And I have opened a loqbox account and got a credit builder card withings the last 2 weeks.
I've also increased my self employed income to £65k/year.
If I continue with these new money habits how long should I wait to apply for a mortage? I was hoping to buy within 2 years when my daughter starts secondary school.
Thanks in advance
Hi Snedz, thanks for watching! In a few years time the defaults will be almost gone and as long as you keep up the clean path from now, you will be in a good position in a few years! Keep going and any questions along the way let me know :-)
@@alexkerrmortgageThanks for replying! I actually already have a question. I have 2 self employed income's, how does that effect the application process?
@@SnedzTheBricklayer Great video, I got fast credit improvement with Credit PatchUp LLC after I came across great reviews about their services. I now have an excellent credit score of 800+ across all bureaus and all negative items have been wiped off as well. PERFECT TEAM , just let them know I referred you and they would respond swiftly. (Contact@creditpatchup.com) You can also google Credit Patch-Up LLC for more positive reviews.
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@@bitcoinforbeginners6932 Credit PatchUp was absolutely amazing, from the great customer service to the excellent and professional work on my credit. I wholeheartedly recommend Credit PatchUp to everyone I meet and to all my family and friends! I am definitely a 100% satisfied customer and recommend them to everyone, continue all the excellent work you do there at Credit PatchUp! Thanks for all your help!
hello i have a ccj from 2014 if I don't pay will it be completely removed this year?
It will come off your credit history but I would look to still clear it as it could damage your relationship with that bank.
Hi Alex, I am currently a first time buyer using the help to buy scheme to help get a mortgage. I have used check my file but I have 1 missed payment in January and 2 adverse accounts from Vodafone from 2016 (they told me they made a system error) . Should I wait to apply? Is it still possible to get a mortgage with a missed payment? The missed payment is from my loan and I paid this off now.... I am not sure what the best thing to do is..? Please can you help? Thank you.
Hi Jaz, we have lenders who may look at this. Please email me your credit report and book in a credit file review with me (free no obligation) using the link here and selecting "credit file review' - outlook.office365.com/owa/calendar/MortgageChainLtd@mortgagechain.co.uk/bookings/ Thank you! ALex
Amanda Smith thank you 🙂, I have since fixed my credit and my mortgage was approved, I actually had a meeting with Alex all booked in, but I have been seriously ill and was in hospital which meant I missed my appt with Alex.
I found all the TH-cam videos and content and tips to be helpful!
My credit score was 571 and I couldn’t get approved for a loan, a car and a house... NOTHING! It was draining in every aspect of my life because I got kids I have to protect their future. A few weeks later, my score suddenly shot up 830, Hackergold02 on instagram he’s truly honest about what I want and what is expected of me to do. He told me it would take a few weeks to get it done approximately a week and he kept to his word. Now I can thank him enough. Get in touch with him today and make a bright future tomorrow. Hackergold02 on instagram, they are really the best trust me you can even message them on WhatsApp +1 (551) 444‑9099
Could you please reply to this Alex, i have a default (virgin media) that is due to expire April 2022, I've never interacted with this debt and just buried my head waiting for that 6yr mark, however now i read they may ccj the debt before 6years which I really don't want.. what would your advice be? Start paying it? (£106 total) or just hang tight? Will contacting them reset the 6year from me making a payment? I'd appreciate your help
Hi Ian, for the sake of £106 I would certainly clear the debt, it could cost you a lot more in mortgage terms if you do obtain a CCJ and would start the 6 year process again! So 100% get the debt satisfied! I hope this helps. Alex
@@alexkerrmortgage so will contacting them and paying it not reset the default? It won't delay that 6 year mark? Thanks mate
Hi Alex just found you channel 👍. I am. 53 and looking to buy new build property could I get help to buy .I have checked my credit file and had missed payments in 2015 and arrangement to to pay on other accounts l cleared all debts and have not missed any payments for 2years would I be able to get a mortgage thanks 🙏
Hi Mark, hope you and family are well! Please could you email me your credit file so I can take a look! alex@mortgagechain.co.uk - Thank you! Speak soon, Alex
Hey mark , have you gotten a solution already ....Lexington credit repair helped me with a thing like this ...you can give him a try , contact him via creditrepairlexington08@gmail.com
can lenders still see my IVA after it has been cleared off my credit file and must I declare my IVA to mortgage lenders after iva has been completed and taken off my credit file.?
Your history will only report the last 6 years and you would need to report it to lenders, if they ask, but a lot of high street lenders are ok with an IVA after 6 years since discharge,, just double check their criteria on their website and by calling them up to run it past them and you should be good.
Will an amigo loan which is paid stopping me getting a mortgage ?
It’s all about choosing the right Lender… Would you like a free chat with us at some point?
Hi Alex
If you have a loan more than 6 years old and peoele still Chessing for it.
How can you stop getting call??
Hi, you would need to speak to the creditor and come to an arrangement.
Hello great advise, I have a terrible Credit score 119😪 and never felt like trying to short this problem out before as I feel it's just too bad and the Hope's of getting a mortgage sometime is a no go for sure so always put it off, but I'm in a situation now were I have children and my partner is pregnant now and the house is too too small so need to make some big steps to try and improve things for my family ano its gonna be a while and a long road ahead but my question is do u think it's possible that I can improve it so much to sometime get a mortgage and what's my best steps to get there? Thanks.
Hi, can you please email me your credit report to alex@mortgagechain.co.uk so I can check it out. Thanks!
@@alexkerrmortgage sorry how do I do that, I'm currently using clear score to check my score. Is there a way to let u see it?
@@magicstrike1426 Hi, here is the link, it needs to be a checkmyfile credit report. Free trial to link here - www.checkmyfile.com/credit-report.htm?ref=alexkerr&cbap=1
@@alexkerrmortgage hello again, I have now signed up with checkmyfile how do get to view it from here please? , thanks
@@magicstrike1426 man how the hell is your credit score in the 100s????
Does a default disappear after 6 years even if you haven’t paid it?
It does but it could have a negative effect on your relationship with that lender if it is not paid off.
Hi Alex, thank you for your videos. You are doing a wonderful job 👏
Q?, s it possible to pay off money own from 2016 to company like t-mobile, talktalk etc. Money like £10, £20?
Also, how can I get read off credit to do with association, from a partner I.E.
Hi, thanks for watching and your kind words! I’m not sure what you meant in regards to the talk talk bill... Can you expand?
In regards to having a financial association with someone, this is just part of your file and on the basis it was not an error, unfortunately can’t be removed.
I have 1 CCJ that won't hit 6 years until next july and I've got 6-10 items with 6 months or more of missed payments. I've just started to face this, I've paid the CCJ and I'm not up to date on all my payments for the first month in a long time. How long before the past missed payments become less prevalent to an application than my now ongoing green payments?
When we’re the 6-10 items of missed payments registered ?
@@alexkerrmortgage up until the month just gone. For 6 months or more. Basically I ignored my credit and credit report for many years before finally making contact with everyone and setting up payment plans and paying off the CCJ (turns out I've got 3 years left on my CCJ unfortunately too do it's settled but I imagine it still tanking my credit rating)
@@samhawkes6597 it’s going to take a while… I would just focus on not missing payments moving forwards and then in two, three years your credit history may start improving… It’s a bit of a slow burn from here, but it will pass, so keep going.
How likely is it to get a mortgage with a Satisfied CCJ? The amount was £290. Issued in 2019.
15% deposit and we can make it work (as of the time of replying to this comment!)
alexkerrmortgage Thank you, is the 15% excluding Help To Buy? That’s an option we was hoping to use.
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I have a default of £52 from Vodafone from 2017 and they have no knowledge of this but I cant get hold of experian to take it off, but this is affecting my mortgage application so needs removing ASAP any advice please?
Daniel O'Keefe I am afraid I have no experience in a situation like this, but I would be speaking with Vodafone until I got to the bottom of it
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Water leak in my home years ago - a £2000 default on my file.. I need to improve my credit - what do i do? I found chime card online but looks like its only in the us
Just make sure not to miss any payments moving forwards… Trying to satisfy the default could help with some lenders, as things stand, you will likely need a 15% deposit. The older, the default gets the more options you will have. Make sure you are on the voters role and all your addresses are correct, in the long run a credit card can help but in the short term sometimes it decreases your credit score.
@@alexkerrmortgage can I send my credit report to your email?
@@m77ast yes that’s fine I can take a look.
Hi Alex can you help me with my credit score is 568 I want to improve it
of course - please get in touch and explain your situation and choose "adverse credit" in the options - mortgagechain.co.uk/contact-us
If you make the full payment will they remove the default I got 3 default
Hi, I am not sure what you mean, can you expand ? Thank you , Alex
alexkerrmortgage I have to pay my old phone bill off it went to collections if I pay all the amount off will the credit score remove to bad credit
@@foziahanif7348 If you can clear it, this will help repair your credit quicker and will show as satisfied on your file.
alexkerrmortgage thanks
I got nformation about checking not repairing the credit history
There’s no quick fix, unfortunately, it’s just about doing the right things to improve the credit for the future… Unfortunately, nothing we can do about past adverse credit.
Hi Alex. I payed off my credit cards and loans in full 2 months ago. It still says I still owe on my credit file. Is there anything I can do from my side to make sure it’s updated?
Hi Sindi, should be updated by next month. Can you check and let me know ? Alex
@UC7fKzKUypRyTlThQDvpgqKA if you know him why don't give me more information and his charges
YOUneedKNOW this his charges are not pretty high but low instead. His payment is fine to me
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One of those parasite companies that buy debt have put a default on my credit file. I have told them i owe nothing and i have no intention of paying them. I booked a hotel that was a slum. I told my credit card company and asked them to deal with it but they didn't want to know. I pointed out that the law is clear about this. If goods or services are not as described the customer is entitled to a full refund. But they kept sending me threatening letters. Eventually they sold this non existent debt and now these clowns have dumped this default on me. Yesterday i wrote to them giving them a week to remove it or i will sue them for damages. I will update this in a week.
I’m not sure about the law in regards to this so can’t comment myself, but hope you sort it out, good luck.
@@alexkerrmortgage I forgot to update this. They have removed it as a goodwill gesture while they investigate. I assume when they say goodwill gesture they mean they are shit scared of being sued.
My partner has a score of 997 , we don't see anything wrong on his Experian report. No loans no debts, nothing wrong yet we been rejected twice by lenders. We cant understand why as they don't even tell us. What else can we do?!
You need to download a multi agency credit report. Use this link - www.checkmyfile.partners/HHQTB5/2CTPL/
It has all credit agencies, so even though your Experian may be okay, maybe one of the others has a problem?
The link I sent you is to check my file which has all credit agencies on it. Have a look at that and let me know how you get on. Alex
We did , both our reports are good. Nothing there to show otherwise so the only thing we come to agree with is , they assume we can't keep up with the payments and that's why we are getting refused. There's no other explanation. Thanks for your help, at least we know there's nothing wrong with our score.
Hey Alex, ive just finished paying my IVA (started it in Dev or Nov 2016) but decided to settle it early .... I'm guessing I need to wait for 6 years from that date for it to disappear from my file ! any help on how to build my credit again will be appreciated! i thought I should with a high-interest credit card for now! would you advise that? ideally, I want apply for a mortgage once the IVA is completely off my credit file
PS the entire debt was about 17-18k
it is possible with a 20% deposit at the moment once you are discharged for one year... To build credit there is not a great deal you can do as it will be difficult to obtain credit, but just make sure you are on the voters roll for now and do not miss any payments on anything.
What score is need maximum
Sorry I don’t understand. Can you explain more please ?
Hello I would like repair my credit score, Will you be able to assist me?
Please send your credit file to checkmyfile@mortgagechain.co.uk - Thank you!
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Hi Alex I’ve dropped you an email regarding a current mortgagee application that I’m struggling with.
Ash William Hi Ash, I will pick that up today and come back to you :-)
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Hi Alex, I’m Caroline would like to repair my credit file
Hi, can you elaborate what you mean ? Thanks.
Can you help me and point me in the right direction? Hope to have a response. Thanks
alex@mortgagechain.co.uk
hi there i just checked my file and found some default accounts (which i knew) one is from february 2015 another one 1st of may 2015 its more than 6 years, why they still show ??
Hi Frank, your credit file will only show your last 6 years history.
I wouldn't consider 6 years or even 3 years to be "fast".
This is the reason I would. Some people with bad credit get crippled by the worry and they procrastinate for years, thinking there are no options. A mortgage is for 25, 30 years or so, so to sort yourself within three years is nothing in comparison, in my opinion.
@Alex Kerr - Mortgage Chain Ltd maybe so, but there's no fast way or easy way of fixing a credit file in any event because it's hard, requires you keep on top of errors (and there's quite a few on mine and people I know), plus the waiting time not to mention to hoping and preying that nothing cocks up in the sense of a negative mark or an error that could cost you years worth of hard work.
I'm not saying it's not worth it, but I'd try not to put your own time frame on it. The whole system need overhauling anyway because although I agree there needs to be a time that you get "punished" for want of a better word. I think 6 years is way too long. A lot can change in even 3 years and chances are that those people who aren't paying don't tend to care about their history until they need to care about it so it's not going to make any difference to those people anyway. They just punish those who pay or those who start to care vs. those that don't and are still able to get loans anyway.
For example, shops raise prices for everyday paying customers to offset the amount people steal. Or United Utilities pay off someone's debt for them and raise everyone price to offset the amount. The system needs scrapping.