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Discussion Starter · #1 ·
dont think im going to be able to get my new carie-poo (car) next month because i think my credit ranting is absolutly awful :(

gutted :( anyone know what i can do? :( how long will it take for it to get good again?
ive got topshop card to pay off...overdraught on student card, overdraught credit card....and didnt get payment off a person for avon when i was a rep a million years ago, so i forgot to pay it, and they sent a letter to a credit thingy. hmmm i think thats all the debt i have :( and i applied for a debenhams card and a topman card, which were declined, which goes against your credit ranting too.

oh my.

can i have some rep since i have no money?
 

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:D poor Foxxy you could do with a good lottery win! lol
 

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Unfortunately there really isn't much you can do other then pay off your debts. It can take 6 years for defaults and bad credit scores to come off you credit rating.

Have you tried moneysavingexpert.com? There's lots of advice on there.
 

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Discussion Starter · #4 ·
ohhh i know!!! i tried that 110 million one, didnt win :( i have a bit of luck with scratch card though! ive won a £1 once, but i kept the scratch card pinned to my board, cz i was impressed....so i never got the £1 :(
 

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Discussion Starter · #5 ·
i shall go on that now! i wasnt too bothered before....but my bf and i have now got a joint account, so he has just told me that i affect his credit rating too :( i feel so bad :(
 
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i shall go on that now! i wasnt too bothered before....but my bf and i have now got a joint account, so he has just told me that i affect his credit rating too :( i feel so bad :(
im not too sure how much you would effect his rating unless the debt is on the shared account...my OH has a bad credit rating but mine is fine, we both applied for a credit card (for our honeymoon) he was refused but mine was accepted :eek: so it might not be all bad....

Stop applying for store cards ;) hehe

We made the mistake when he was out of work to try to get by using credit cards....but never again. now we have 1 credit card and thats it haha. way too easy to overspend the banks money!! And they always want it back :(
 

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Discussion Starter · #10 ·
erm.......lol not really! i want/wanted to be a teacher, im not sure now though. im already in like 20,000 debt....so ive given up really.
 

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Have you thought about contacting the Consumer Credit Counselling Service (CCCS) for advice with your debts?

They have helped us, we were over £25,000 in debt.
 
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Didn't think so.... I mean isn't the reason why you go to uni - and get yourself into all this debt - is to get a fantastic job at the end of it, where you earn big bucks?

My advice would be knock it on the head and find a full time job. How old are you?
Being in £20k worth of debt at a young age is serious.
 

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Discussion Starter · #13 ·
well...i went to the student advice thing...and because my mum earns alot no one can do anything....but she doesnt give me any money. at all. from my student loan i get something like £50 to live on for 3 months. sigh.
ive got a job. and you can get a good job if you have a degree....but theres nothing i really want to do...im thinking of law, but apparently its competative...so i have no idea really.
 

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Im of the opinion that if you cant afford it, then you go without.

It is possible to live without having everything on credit. You just have to make sacrifices.
 

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Discussion Starter · #16 ·
hmm? lol like food? in my first year i went down to 7 st 4 because i didnt have a job. and i fainted and had to go to hospital cz i knocked myself out. and the 20,000 is debt from my education? i dont understand what you are getting at sorry? are you saying quit uni?
 

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hmm? lol like food? in my first year i went down to 7 st 4 because i didnt have a job. and i fainted and had to go to hospital cz i knocked myself out. and the 20,000 is debt from my education? i dont understand what you are getting at sorry? are you saying quit uni?
Yep.

Not because your debt is all from your education - but just so you can start earning some money to actually start paying this debt off.

A degree in Theology is not going to get you a fantastic job - otherwise I would stay stick with it and it will pay off in the end.
A degree doesn't get you any job you want.
 

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Discussion Starter · #18 ·
ermmmmmm im in my third year...so i am not going to quit now...lol. i can be a teacher, i can go on a fast track course for manager positions. ive got a better chance than someone who hasnt got a degree. and if all else fails i can be a vicar and you get a house.
 

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Yep.

Not because your debt is all from your education - but just so you can start earning some money to actually start paying this debt off.

A degree in Theology is not going to get you a fantastic job - otherwise I would stay stick with it and it will pay off in the end.
A degree doesn't get you any job you want.
I think I'd have to agree to a point here. There was a time when having a degree meant you could waltz into almost any job you wanted but not anymore. When I was in college a man did a presentation about the percentage of graduates who were unemployed after graduating. I can't remember the figure but it was quite high.

Did you know you could do a degree in wine tasting? :D
 

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ermmmmmm im in my third year...so i am not going to quit now...lol. i can be a teacher, i can go on a fast track course for manager positions. ive got a better chance than someone who hasnt got a degree. and if all else fails i can be a vicar and you get a house.
PMSL vicar :lol: Somehow I can't see you being a vicar ;)
 
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