Don't need anyone telling me how silly I am etc - just looking for a bit of advice.
I'm 4 and a half months pregnant - stable relationship and live in privately rented house with my boyfriend of 4 years.
I did a check on equifax as I have never had a good credit score and want to sort it out with the aim to possibly buy a house next year.
I have 4 defaults which I completely forgot about as they were from back in the day when I was a silly student and as it turns out a member of my family been caught obtaining a credit card in my name and maxing it out then letting the interest pile up!
I filled in a form on moneysupermarket.com who deal with unsecured loans of around £2000 (this would be enough to pay it all off as the companies will reduce the amount if i pay it off in one payment) yet nobody seems to be able to help me and can't help feeling scammed by all these debt consolidation companies!
Please give me some advice or direction as I feel it's hopeless even trying!
just to let you know the 4 defaults include the credit card obtained by a family member
I have since obtained my credit rating from experian.co.uk and it all looks fine (few companies done a credit check on me a few months ago which I didn't ask them to which is all that seems bad)
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