How bad a credit history is this?

Since receiving the Equifax file I have settled my one account still in arrears in full. If I pay all bills on time for the next 12 months would I have repaired the damage significantly?

VODAFONE LTD GEMINI(I) Communications Supplier   0  @   £ 0 (Monthly) £ 0 £ 0 Status Credit Limit Date Updated Start Date Date Last Delinquent Date Satisfied Default Date Default Balance Settled   £ 0 13/01/2002   15/07/2001     14/11/2001        Payment History

0 payments 1 month late;0 payments 2 months in arrears; 0 payments 3 or more months in arrears.

Company Name / Insight Account Number Account Type Terms Start Balance Current Balance ORANGE (I)   Communications Supplier   0  @   £ 0 (Monthly) £ 0 £

224 Status Credit Limit Date Updated Start Date Date Last Delinquent Date Satisfied Default Date Default Balance In Arrears   £ 0 05/09/2004   24/04/2003   09/04          Payment History 5 payments 1 month late;2 payments 2 months in arrears; 6 payments 3 or more months in arrears.

Company Name / Insight Account Number Account Type Terms Start Balance Current Balance T-MOBILE (I) Communications Supplier   0  @   £ 0 (Monthly) £ 0 £ 0 Status Credit Limit Date Updated Start Date Date Last Delinquent Date Satisfied Default Date Default Balance Settled   £ 0 29/06/2003   20/04/2002     19/03/2003        Payment History

1 payments 1 month late;2 payments 2 months in arrears; 0 payments 3 or more months in arrears.

Company Name / Insight Account Number Account Type Terms Start Balance Current Balance ORANGE (I) Communications Supplier   0  @   £ 0 (Monthly) £ 0 £ 0 Status Credit Limit Date Updated Start Date Date Last Delinquent Date Satisfied Default Date Default Balance Up to Date   £ 0 05/09/2004   08/11/2001            Payment History

0 payments 1 month late;0 payments 2 months in arrears; 0 payments 3 or more months in arrears.

Company Name / Insight Account Number Account Type Terms Start Balance Current Balance HSBC PLC P   Bank Default   0  @   £ 0 (Monthly) £ 0 £ 0 Status Credit Limit Date Updated Start Date Date Last Delinquent Date Satisfied Default Date Default Balance Settled   £ 0 03/11/2003     07/02   31/07/2002        Payment History

0 payments 1 month late;0 payments 2 months in arrears; 0 payments 3 or more months in arrears. Default has been registered on this account.

Company Name / Insight Account Number Account Type Terms Start Balance Current Balance SINGLEPOINT (4U) LTD   Communications Supplier   0  @   £ 0 (Monthly) £ 0 £ 0 Status Credit Limit Date Updated Start Date Date Last Delinquent Date Satisfied Default Date Default Balance Settled   £ 0 17/02/2004   05/05/2002   01/04   03/02/2004        Payment History

2 payments 1 month late;2 payments 2 months in arrears; 6 payments 3 or more months in arrears.
Reply to
notella
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In your original post - you only mentioned the mobile account being in arrears. You didn't mention anything about a loan from HSBC being in default (even if it is now settled with 0 balance). Most lenders will take that far more seriously than a mobile telephone, although in principle, they should carry the same weight.

If I were you I'd add a Notice of Correction explaining your personal circumstances at the time and why you fell behind - as long as its reasonable.

Reply to
Neaco

"notella" wrote

I assume the above account is the account you refer to above.

"notella" wrote

The above three accounts have been settled (ie no longer "active"), so won't be updated any further. They'll remain on your credit file (as they appear currently) until 6 years after each "settlement date". Even in 12+ months' time, they could put off some lenders.

Reply to
Tim

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