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Credit Confident UK

183 members • Free

2 contributions to Credit Confident UK
THE USELESS-NESS OF CREDIT SCORES
The system doesn't want you checking your credit report, properly. It wants you obsessed with your score instead. Here's the mistake I see constantly, over and over and over again. People fixate on their credit score and never once look at their credit report. That's not an accident. It's by design. A score is a single number - easy to obsess over, impossible to challenge. A report is the actual evidence - the CCJs, the Defaults, the Late payment markers, the errors sat quietly dragging you down. Banks and Lenders know this. They are happy with you watching a number go up and down, and you'll never think to question what's actually written about you. Your score is useless if you've never checked what's behind it. So - straight questions: Have you checked all 3 of your credit reports? Not the app that shows you a score. The actual reports - from Experian, Equifax and TransUnion? Are they clean, or stained with errors nobody's ever explained to you? Do you have negative markers sat there that you've never challenged - because you were told they were "permanent"? If you've never done this, you don't actually know whether you truly have good credit or not. You know a number the system handed you to keep you calm. Drop a 👀 below if you've never checked all 3 reports. Let's fix that over the next few days.
1 like • 19h
@Joshua Akinbohun okay will do that this evening and let you know
1 like • 8h
@Joshua Akinbohun I have managed to access Experian and Equifax, having issues accessing TranUnion as it keeps flagging my address as incorrect
(NEW) WIN A DONE FOR YOU SCRIPT - SECOND WINNER LIVE THIS FRIDAY 7PM
As you all know we are on a mission to see 10,000+ negative credit markers removed early, in 2026. One of the ways we’ll be doing this is by helping you with Done for you perfected dispute scripts - for those who’ve been able to afford our 1-2-1 Done for you service, this has helped them remove Late payments, Defaults, CCJs, CIFAS markers, and even Company negative markers too - in so many cases our 1-2-1 clients were told “nothing can be done”, but we’ve proved them wrong over and over. The key is perfected dispute scripts. Scripting makes winning way more achievable. But we know not everyone can afford the fee for the 1-2-1. So during our Friday LIVE sessions, we will be giving 1 person the opportunity to win a tailor made, custom perfected dispute script for a negative credit marker. To qualify: 1. Attend the 7PM Friday LIVE (essential) (1 entry) 2. Comment under this post the marker you need help with (essential) (1 entry) 3. Refer serious people into Skool (2 entries per person) You must show up LIVE where we will announce the winner. You must comment below the marker you need help with, e.g. “CCJ help”. IF you refer someone, not essential to win, they must comment e.g. “referred by @Ayo CreditConfident” MAX points per week - 10 entries. For all members who are subscribed to our PREMIUM package, you get 2x entries on all requirements. ANY cheating will = AUTOMATIC DISQUALIFICATION. Only refer people who are genuinely interested in credit. We have a BIG goal and have no interest in wasting anyone’s time. We are committed to helping more of you WIN. Last Friday's WINNER was @Maxine Loza - congrats again 🥳
1 like • 19h
Defaults help
1-2 of 2
Faustina Ghansah
1
1point to level up
@faustina-ghansah-6421
To build credit and financial knowledge

Active 3h ago
Joined Jul 13, 2026
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