I can't get a mortgage with Wiggy
to buy my dream house because he has bad credit. Now I'm sad.
( Kitty v1.0 desperately naive, Thu 3 Jun 2010, 9:28, 5 replies, latest was 16 years ago)

Gutted :(

( Labia Majora You keep on talking but it makes no sense at all, Thu 3 Jun 2010, 9:28, Reply)

You got a credit report yet?
You can change it. I was turned down for a credit card just because I wasn't on the Electoral Roll.
(Himjim died a little more inside on, Thu 3 Jun 2010, 9:30, Reply)

no he defaulted on a credit card when he was 21 or so
and had to do an IVA thing, so its showing as a default on his report.
( Kitty v1.0 desperately naive, Thu 3 Jun 2010, 9:41, Reply)

If he made all his payments and has paid it off completely, he can ask for the credit card company to clear his name.
I think.
( Noeli overtheshoulderboulderholderthingstraplatchboobs, Thu 3 Jun 2010, 9:45, Reply)

I think he's going to speak to Experian today
he's settled everything so he doesn't owe anyone anything, but I think the black marks stay on there for 6 years after they're registered and the company he owed didn't register them for a year after he defaulted, so it'll be a while.

I also need to sell my flat and I was going to go with one of those webuyanyhouse companies but someone in my block sold their flat for £20k under the value price so they've offered me a pittance based on that. I guess it's not meant to be, sadface offline.
( Kitty v1.0 desperately naive, Thu 3 Jun 2010, 9:52, Reply)

Shame dude.
Hopefully it'll work out for the best.
( Noeli overtheshoulderboulderholderthingstraplatchboobs, Thu 3 Jun 2010, 9:54, Reply)

nah it's not like that
you just have to tell them that the debt is settled and fill in some forms, once the debt is gone clearing credit rating isn't too bad.
(PsychoChomp, Thu 3 Jun 2010, 9:54, Reply)

really?
I'll get him to investigate that then, maybe all is not lost (although we still have to pull £15k from a hat somehow).
( Kitty v1.0 desperately naive, Thu 3 Jun 2010, 9:58, Reply)

You're talking weeks not months and years.

(PsychoChomp, Thu 3 Jun 2010, 10:04, Reply)

that's good, gives me a bit of hope
wonder how much I could make if I actually took up lapdancing for a while...men like ironic dancing don't they?
( Kitty v1.0 desperately naive, Thu 3 Jun 2010, 10:14, Reply)

That's what I thought.
Nice work.
( Noeli overtheshoulderboulderholderthingstraplatchboobs, Thu 3 Jun 2010, 10:08, Reply)

what bastards
I hope you slapped him upside the head
( Vipros. clever got me this far, then tricky got me in, Thu 3 Jun 2010, 9:31, Reply)

I made some barbed comments about his irresponsibility
but to be fair, if I didn't have rich parents I would probably have bad credit, I didn't know about council tax when I first moved out, I remember ringing mum and saying "I've got a letter about council tax and it's all red and scary looking!"
( Kitty v1.0 desperately naive, Thu 3 Jun 2010, 9:42, Reply)

*guffaw*

( Vipros. clever got me this far, then tricky got me in, Thu 3 Jun 2010, 9:46, Reply)

Leave him
find a better one.
(Bazongaloid, Thu 3 Jun 2010, 9:34, Reply)

aw but I like this one.
Even if he does have bad credit.
( Kitty v1.0 desperately naive, Thu 3 Jun 2010, 9:41, Reply)

Fake his death then get a new identity for him
Job's a goodun.
( Labia Majora You keep on talking but it makes no sense at all, Thu 3 Jun 2010, 9:42, Reply)

that's better than my idea
which was to break in next door (which is the flat we want to buy) and just switch the house numbers around.
( Kitty v1.0 desperately naive, Thu 3 Jun 2010, 9:45, Reply)

Haha genius.

( Noeli overtheshoulderboulderholderthingstraplatchboobs, Thu 3 Jun 2010, 9:47, Reply)

Hmm, yours is simpler
Why don't you break in and knock down the adjoining walls?
( Labia Majora You keep on talking but it makes no sense at all, Thu 3 Jun 2010, 9:48, Reply)

I think someone might notice the property is missing
whereas if we just switch the numbers the estate agents will just show people into our rental flat instead, mwa ha ha.

The only other thing we can do is trash our terrace, spray racist graffiti and be really obnoxious so that no one buys next door until Wiggy's credit is good again.
( Kitty v1.0 desperately naive, Thu 3 Jun 2010, 9:54, Reply)

Yep, plus it'll drive the price down.

( Labia Majora You keep on talking but it makes no sense at all, Thu 3 Jun 2010, 9:58, Reply)

that's true haha

( Kitty v1.0 desperately naive, Thu 3 Jun 2010, 9:59, Reply)

you think you're sad, I have a hangover

(PsychoChomp, Thu 3 Jun 2010, 9:40, Reply)

again?
tut tut, your wizened old body can't take such punishment two nights in a row.
( Kitty v1.0 desperately naive, Thu 3 Jun 2010, 9:44, Reply)

I blame the vegan food not being greasy enough to protect me.

(PsychoChomp, Thu 3 Jun 2010, 9:48, Reply)

you cooked it,
it was your responsibility to make deep fried tofu and other stereotypical vegan food.

Nuts are pretty greasy, you should have made nut cutlet. My mum's veggie and she hates nut cutlet because that's all they used to put on menus for the veggie alternative.
( Kitty v1.0 desperately naive, Thu 3 Jun 2010, 9:55, Reply)