conversation: User (hotsaucehotsauce): "Ok so, I'm a 27 year old from the UK with a credit score of 483 according to noddle and 125 based on my equifax score, bad I know. \n\nWhen I was younger I took out a couple of credit cards, payday loans and mobile phone contracts that all over the years defaulted. \n\nI now only have a very basic bank account, I am denied for any credit I apply for, although I just managed to get a phone contract last October. \n\nI moved around a lot during my teen and early 20's and never really had a fixed address. \n\nI have no moved in to my girlfriends parents house and have a decent steady job. \n\nDo I change my bank account address to here? And put my self on their council tax bill and electoral roll and such? \n\nI have £1200 of short term debt, £560 of that will be wiped after the 6 year default period this January. \n\nWhat tips if any, do you guys have to get my score up? I really want a 3-5 year plan, to become debt free with a better credit score and eventually on the property ladder before I turn 35.\n\nAny help would be very much appreciated. \n\nMany thanks! \n\n"
  Self: "Have a look at the moneysavingexpert website, as there's huge amount of information there. One thing you can do today is make sure you're on the electoral roll and that all your addresses (bank, creditors, etc) are using the same address.\n\nIt's possible to get some 0% balance transfer cards, even with bad credit, which will reduce the length it takes to reduce any cc debt.\n\nDefaults stay on your record for six years, so you may see an improvement in your score with time anyway. Just make sure you don't take any further debt and especially don't default.\n\nLastly, don't worry too much if your noddle score doesn't budge or even drops for a moment. Try to understand why of course, but also consider that the score is just what noddle uses and not a univeral 'score'. All lenders have their own criteria and ways of working out whether you're a suitable person to lend to or not."
  