HI Folks ,
Please i need advice on my case , I taken out local credit union loan for 10k in 2015 which unfortunately write off in same year , I repaid the loan back in 2019 and had verbal agreement with credit controller that they will not pursue the money in court or give it to third party, It took me 4 years to repay them bit by bit .
In 2015 my credit rating was good but since the write off i am unable to get any loan or credit card or even the same credit union refuse to issue me any loan , They even refuse to issue me 500 e loan instead offer me secure loans so since 2019 i have taken out 2 secured loans 1200 - 5000 paid interest on them but they still refuse me ,
I tried every where to build back my credit rating but no success, From 2019 I'm monitoring my credit report which drop down from 465 to 444 and I think its because of too many credit applications this year ,I feel like fool to pay back credit union all this time even though it could clean off my credit report in 2021 but i suppose that was the right thing to do ... Any advice how can i repair my credit score ? or give-up hope as I desperately need mortgage or go on the council housing list
Please i need advice on my case , I taken out local credit union loan for 10k in 2015 which unfortunately write off in same year , I repaid the loan back in 2019 and had verbal agreement with credit controller that they will not pursue the money in court or give it to third party, It took me 4 years to repay them bit by bit .
In 2015 my credit rating was good but since the write off i am unable to get any loan or credit card or even the same credit union refuse to issue me any loan , They even refuse to issue me 500 e loan instead offer me secure loans so since 2019 i have taken out 2 secured loans 1200 - 5000 paid interest on them but they still refuse me ,
I tried every where to build back my credit rating but no success, From 2019 I'm monitoring my credit report which drop down from 465 to 444 and I think its because of too many credit applications this year ,I feel like fool to pay back credit union all this time even though it could clean off my credit report in 2021 but i suppose that was the right thing to do ... Any advice how can i repair my credit score ? or give-up hope as I desperately need mortgage or go on the council housing list