Advice required plz

If rebuilding credit means spending money you don't need to spend then I'd say leave it til your debt is cleared. Save some money. Keep up to date with all your bills etc.

Work within a budget. If you have had problems with debt before, don't get into debt again.

IMHO there is often no need to get into debt except, perhaps, to buy a home. We are fortunate here in the UK that is is possible to buy almost anything at a price that doesn't need credit, provided you are willing to forego the glitz of the high street and the buzz of opening something new for the first time. I could start a long list of the good buys I've managed from charity shops, the local paper, local auctions and, of course, eBay - to me this is far better buzz.

Well done ! It might be worth getting 'full and final' settlement figures from them given the amount. Post on The Motley Fool Dealing With Debt board as there's people there that have been there, done that, and got the t-shirt. It's the best place for debt help in the UK imo.

I think there's a lot of bullshit put about by companies miraculously claiming to be able to repair your rating. See the link on my webpage

hth

Daytona

Hi Bea

I'm at about he best point I've been in years I only owe about 200K (including mortgage) to five different institutions. So don't sweat it

An important point to note is owing 800 and keeping up your repayments is repairing your credit to an extent. removing your CCJ is harder but will all happen in time.

different agencys use different methods for scoring and so keeping up your repayments is gold dust to one bank but another will never get over the fact that you've had a CCJ. bit like your parents never understanding why you dumped your first love. Mum will never understand it but dad just wants you to be happy (Insert your own family in any order you wish!!)

setting your budget and sticking to it really is the best plan and honestly you will feel so good once youve beaten it.

Hope this helps!

How about getting an evening/weekend job and clear it in a few weeks? Might be skilled based on what you do now (can you do overtime?), might be relatively unskilled bar/restaurant work, whatever. And not only will you clear it quicker and pay less interest, while you are working you wont be able to spend, make phone calls etc, so you will save double!

Getting a 'very small loan' of 100 when you could earn that much in a couple of weeks is the slippery slope, you are kidding yourself that money is free .(and its more expensive when you borrow it)