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One of the major areas of collateral damage from my bike accident was my credit rating. Not having a job for a year led to me completely losing control of the debt mountain I had been cheerfully perching on top of up until that time.
Anyway, I just got pointed to this site that lets you check your own credit rating report for 13 quid, which I thought seemed well worth it. The news is actually not as horrendous as I was expecting it to be overall, but there are two credit agreements (my mortgage and my biggest loan) on which I missed payments for 3 months, which is considered extremely bad. The combination of these two missed payments seems to be the only thing that takes my credit rating from being 'not too shabby' to 'downright untrustworthy'.
Rather unexpectedly, the site has a feature whereby you can submit a note, up to 200 words, to be added to your file to explain any facts within it which you feel are 'true but misleading'. This note will be supplied to anybody who requests your credit rating information in future.
Here's what their FAQ says about adding such notes:
( Read more... )
(a) Should I add such a note to my file? The second example reason given seems fairly applicable.
(b) If I do, what do you think of this one:
( Read more... )
I can't think of any reason not to do it off the top of my head - except that it seems a bit whiney - but I'm edgy about doing anything so permanent as adding to my own credit rating report. On the other hand, it looks like my missed payments are going to stay on my record for some years (up to six), so it might be worth balancing them out with something.
Thoughts?
Anyway, I just got pointed to this site that lets you check your own credit rating report for 13 quid, which I thought seemed well worth it. The news is actually not as horrendous as I was expecting it to be overall, but there are two credit agreements (my mortgage and my biggest loan) on which I missed payments for 3 months, which is considered extremely bad. The combination of these two missed payments seems to be the only thing that takes my credit rating from being 'not too shabby' to 'downright untrustworthy'.
Rather unexpectedly, the site has a feature whereby you can submit a note, up to 200 words, to be added to your file to explain any facts within it which you feel are 'true but misleading'. This note will be supplied to anybody who requests your credit rating information in future.
Here's what their FAQ says about adding such notes:
( Read more... )
(a) Should I add such a note to my file? The second example reason given seems fairly applicable.
(b) If I do, what do you think of this one:
( Read more... )
I can't think of any reason not to do it off the top of my head - except that it seems a bit whiney - but I'm edgy about doing anything so permanent as adding to my own credit rating report. On the other hand, it looks like my missed payments are going to stay on my record for some years (up to six), so it might be worth balancing them out with something.
Thoughts?
