Bad credit history?

i live in northern ireland a few years ago i get a contract phone and was told by the company i have run up a bill of lb300 while abroad which i hadnt cos i wasnt out of the country anyway i refused to retribution they cut me off presently ive bad credit history and cant even take a debit card! does anyone know of any way i can clear this so i dont enjoy bad credit history or is it going to be this passageway forever?? thanx in mortgage 4 any help given

Is a FICO gain of 728 honest or excellent?



Answers:   You really should hold taken care of it at the time instead of letting time lapse. You involve to contact the company or collection agency, if it has be turned over to one, and explain that you were never in a foreign country. Gather some proof if possible.
Good Luck!
p.s. it will be on your credit report 7-10 years.

What's a upright credit rack up?


you should verbalize to an attorney before they issue a judgement, I know within the US, once a Judgement goes on your credit from the court, they they trimmings your wages.
You can't remove that even with liquidation.
Best to offer them a settlement, resembling agree to pay 1/2 surrounded by exchange for a reciept of paid surrounded by full by settlement.
Then they can't write off or charge bad the remaining balance as impossible debt have them fax the agreement to you within writing or email it, BEFORE you pay.

Has anyone not rewarded a credit card for a couple of months? What happen?


If you own proof that you were out of the country and couldn't have run up the debt afterwards provide them with that proof and goad them on it... if not you may own to pay it to avoid any further deed being taken against you. If you own to pay and contact the company they should adopt repayment so that you don't have to repay it adjectives in one run. Your credit rating will improve through time so long as you don't run up a massive amount of debts. My loved ones had suffered for years beside bad credit, they terminated filing bankrupsy. But, we can't do anything until September. Unfortunately, my dad is spending adjectives of our money on himself!

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