So when I was 18 i bought some stuff in credit like an idiot and never paid it back due to leaving my job. I was dumb and a kid and now im suffering for it. My credit score is shockingly bad that its embarrassing ( 585) and the 2 debts amounting to a total of £850 is outsourced to a debt collecting agency in which I am paying £1 per month to them until next month. Next month I am able to pay off the entire debt completely in 1 go. But how do I improve my credit report and come back from this.
i currently have a pre pay card that has a monthly bill of £4.95 and as long as I make that payment every month it reports to my credit score and it improves but only by 6-7 each month. Is there anyway I can do this faster and fix my credit score within a year or 2 ?
Thanks
Submitted January 08, 2017 at 06:54PM by MoeInfo http://ift.tt/2jiMwxm
