Improving credit rating for remortgaging for next year.?

I know that I have 2 defaults and no CCJs on my credit file at the moment. I am steadily paying off the debts which are £1022.42 and £13000 left. What is the best thing to do in order that I can get a reasonable rating so that I can remortgage in about Jan/Feb 2009?

Improving credit rating for remortgaging for next year.?
Finance companies are looking for regular payers. They don't actually want their capital paid back, they want the interest!





So you must pay every month without fail. Also try and pay off complete the £1022 debt before your deadline so you are seen as a reliable payer.





Don't apply for lots more c/cards or loans as they all show up on your credit rating.





The biggest thing is to get your own life in order. How did you get in this state? If you look back and it was all spent on consumer goodies you will realise the futility of it. Stop all the impulse buys, designer clothes, fags/booze, fast food etc.





You will then be on the way to living within your means!
Reply:Try Financial Destination. My Brother in law had a bankruptcy and 6 items deleted from his credit report. They can also help with paying off your debt.





Go to www.FDIRep.com/Lbn





If you have any questions, my contact information is in the website
Reply:A number of mortgage companies will ignore defaults that are over two years old. So if they were registered over two years ago then you shouldn't have too much of a problem particularly if you are borrowing a low amount in comparison to what the property is worth (loan to value ratio). In the meantime just all your finances in order, keep up to date with all your payments. The deafults will fall out of the back of your credit reference after 6 years. So after this period you'll have no problem at all.

tanning