BAD credit scores.... whats yours?

[mumto7yog]

This is purely for people who have a bad cred score (if you dont mind of course) what is your score on experian?

Mine is so shockingly awful, im working at rebuilding. Well no first clearing debt then will work on it. But im curious how many others are in the same boat?

I think you're going to struggle asking people to offer up their credit scores, let alone when you haven't started with your own.

192 🙈 made some ridiculously stupid decisions when I lived with a drug addict and couldn't afford to keep up with his habit and pay my bills....

Mine is 144.

@ZolaGrey thats ok they dont need to say if they dont want to

@PhylisPrice wow sounds hard, but to be fair to you sounds like external causes. Mine was dumb choices and burying my head in the sand

Mines up to 305 after being at 88 a year ago

Mine is different depending on which credit agency but all in the red zone. I am debt free, but know need to work on improving my credit score. Any advice how to this would be great.

Mine is 243 with clearscore. Got in MASSIVE debt due to a whole big lot of issues, finally gave in and got a trust deed, best thing I ever did! My 4 years paying it was up in June, trying to rebuild my credit score just now and correct some information on my report but it's going slowly.

249 but used to be 102

I really don't understand how this ClearScore credit rating thing works. I recently used my credit card for the first time in about 2 years recently when I had to have a debit card replaced due to being damaged. I paid it straight back through online banking, Prior to that I had used it only rarely and repaid it every month apart from May 2018 when for some reason a credit card payment was late (only slightly). I haven't had any other credit whatsoever for about 10 years and if I get overdrawn I get a text message about it and immediately add funds from another account to cover it. But my rating is 523. I don't get it and I'm not sure how to get it back to nearer the 700 mark unless that late payment stays on record for 7 years? I can imagine how low this score could go if you had several things on HP and missed a few payments, especially just now 🥲

@Blushingm

Mines up to 305 after being at 88 a year ago

That's brilliant, how did you manage to do that?

@AlwaysLatte Dont worry it's still a good score, mines just a bit higher than that and I can't see what I could do to improve it. I doubt there's many people at 700.

Mine is in excellent at 700+ right now but I'm replying because it was, a few years ago in the red.
At 18 I went crazy with credit cards and wish I had someone explain it all to me, I think in my head although I knew I had to pay for it - it was like getting things for free. I am still paying off a credit card and phone contract but they don't show on my file.
For years my score was in the red and I couldn't get anything then about 6 years ago, probably when things were coming out of the 6 years limit on my file I was able to get a very account and a credit card I used these very carefully just in the hope of getting my score up and not because I needed to.
I am now in excellent and hope to stay there.
I would advise paying what you can off on any debt and it is just a waiting game, once its been 6 years, old debts come off of your file so aren't visible and that's when you can really work on it.
I felt stuck in a hole at the time but now its a distant memory.

A credit score isnt a thing
Different agencies (private businesses) have different ways of rating their customers

The scores are not shared outside of that private business.