I have a £140 mobile phone debt on my credit record. This is the only
debt in six years but is preventing me from getting credit. The
Halifax tell me even if I repay the mobile firm now it may "take
months" for the effects/evidence of the debt to clear from my credit
file.
Is there a way I can speed up this process, I now have the funds but
it seems pointless repaying a debt if someone - the credit ref agency,
the mobile firm? - are going to continue to advertise it and have it
lower my credit score

Brokebusted

wrote:

I have a £140 mobile phone debt on my credit record. This is the only
debt in six years but is preventing me from getting credit. The
Halifax tell me even if I repay the mobile firm now it may "take
months" for the effects/evidence of the debt to clear from my credit
file.
Is there a way I can speed up this process, I now have the funds but
it seems pointless repaying a debt if someone - the credit ref agency,
the mobile firm? - are going to continue to advertise it and have it
lower my credit score

Brokebusted

Don't believe everything you hear about credit scores.

http://www.moneysavingexpert.com/loa...g-credit-score

--
Facts are sacred ... but comment is free

On 27/05/2010 08:29, wrote:
I have a £140 mobile phone debt on my credit record. This is the only
debt in six years but is preventing me from getting credit. The
Halifax tell me even if I repay the mobile firm now it may "take
months" for the effects/evidence of the debt to clear from my credit
file.
Is there a way I can speed up this process, I now have the funds but
it seems pointless repaying a debt if someone - the credit ref agency,
the mobile firm? - are going to continue to advertise it and have it
lower my credit score

Brokebusted

A debt default remains on your credit history for 6 years. History is
history and can't be undone. But, credit history is not the same as
credit score. What a lender makes of the historical evidence is up to
it. Some may say 'no problem', others might take a more serious view of
it. They all have their own ways of scoring you. But the point is that
the scoring is not done by Equifax or whoever. They merely keep the
records that others can interpret in their own way.

Rob Graham

On Thu, 27 May 2010 00:29:05 -0700 (PDT), "
wrote:

I have a £140 mobile phone debt on my credit record. This is the only
debt in six years but is preventing me from getting credit. The
Halifax tell me even if I repay the mobile firm now it may "take
months" for the effects/evidence of the debt to clear from my credit
file.
Is there a way I can speed up this process, I now have the funds but
it seems pointless repaying a debt if someone - the credit ref agency,
the mobile firm? - are going to continue to advertise it and have it
lower my credit score

Brokebusted

I pay my debts not because I won't get credit otherwise but because I
owe the money.

If you have sound repayment history, it won't affect your credit score which is more important when you take any loan.

In nowadays humanity, it is not simple for everybody to convene every economic necessity with obtainable possessions. Because existences are varying and peoples are fetching more consoles loving, monthly financial plan of all earnings collection is passage its utmost bound for Cash 1 hour.

Unfortunately it is your fault at this. This default will be registered against your name for about 5 years or so. I don't think there is a way out for you at the moment, other than going through the motions. I am sorry but you shouldn't have let it go this far. My two cents.

Everyone has their own thinking.I pay because I want my burden to

A debt always remains on your credit as unpaid debt is always undept.

Can anybody rebuild their credit history again, if he have bad credit history in past, if yes then how long would it take for do this ?