Taxman - income tax

**Nixon Williams** · 17 November 2006, 13:10

Whilst I do not know all your details, if you are not caught by IR35 you would get to keep more of your money with your own limited company.

Alan

**Tonic** · 17 November 2006, 13:19

Originally posted by Nixon Williams

Whilst I do not know all your details, if you are not caught by IR35 you would get to keep more of your money with your own limited company.

Alan

Ok, and what about the bad credit? Due to moving so much... I've had a company before, but rarely passed any credit checks elsewhere so didnt want to be turned away from my bank...

**Ardesco** · 17 November 2006, 13:21

Moving does not give you a bad credit rating, bad money management gives you a bad credit rating.

I would suggest getting your credit files from Equifax, Experian and Callcredit (I think they are the main 3 off the top of my head). You can then get amendments made if the information is incorrect and also fill them in on your residential history so that they can build a full credit background for you and this will fix your credit rating.

**SallyAnne** · 17 November 2006, 13:26

Originally posted by Ardesco

Moving does not give you a bad credit rating, bad money management gives you a bad credit rating.

I would suggest getting your credit files from Equifax, Experian and Callcredit (I think they are the main 3 off the top of my head). You can then get amendments made if the information is incorrect and also fill them in on your residential history so that they can build a full credit background for you and this will fix your credit rating.

It does Ardesco - I'm in the same boat. I havn't been on the electoral register anywhere for years, which has resulted in me having a crappy credit score.

**Lucifer Box** · 17 November 2006, 13:29

Originally posted by Ardesco

Moving does not give you a bad credit rating, bad money management gives you a bad credit rating.

I would suggest getting your credit files from Equifax, Experian and Callcredit (I think they are the main 3 off the top of my head). You can then get amendments made if the information is incorrect and also fill them in on your residential history so that they can build a full credit background for you and this will fix your credit rating.

Getting amendments made can be a nightmare. The default assumption is that you are a lying scumbag. You have to send reams of documentary evidence to prove what you are saying is true.

You can have a notice put on your file saying "information in dispute", but only for 28 days.

**tim123** · 17 November 2006, 13:35

Originally posted by SallyAnne

It does Ardesco - I'm in the same boat. I havn't been on the electoral register anywhere for years, which has resulted in me having a crappy credit score.

Moving house often

and

not being bothered to fill in a compulsory form once a year

are not the same thing.

You ought to be on the electoral register once a year, every year.
(and that's with the old yearly registration process).

tim

**Tonic** · 17 November 2006, 13:39

Originally posted by tim123

Moving house often

and

not being bothered to fill in a compulsory form once a year

are not the same thing.

You ought to be on the electoral register once a year, every year.
(and that's with the old yearly registration process).

tim

If you're a tenant, often the landlords will do that for you, or equally often they wont, so it's not always your choice. As far as I'm aware, I've had 3 forms filled in the last 6 years.

**Ardesco** · 17 November 2006, 13:47

Originally posted by Lucifer Box

Getting amendments made can be a nightmare. The default assumption is that you are a lying scumbag. You have to send reams of documentary evidence to prove what you are saying is true.

You can have a notice put on your file saying "information in dispute", but only for 28 days.

If we are just talking about adding a list of addresses that you have lived at so that you can build a valid picture of your credit background it shouldn't be a problem. Just by filling in a form asking for your cedit record and putting in everywhere you have lived will fix that.

Financially disassociating yourself from somebody is also relativly simple (I've had to do that a coulpe of times).

The problems come in when some company says you owe them money when you do not and that can take time to fix, the rest should really not be a problem.

Finally not being on the electoral role is your fault tbh, moving around doesn't prevent you from being added to the elctoral role....

**scooterscot** · 17 November 2006, 14:57

Originally posted by Lucifer Box

Getting amendments made can be a nightmare. The default assumption is that you are a lying scumbag. You have to send reams of documentary evidence to prove what you are saying is true.

You can have a notice put on your file saying "information in dispute", but only for 28 days.

You can have a "notice of correction", which will remain on your record for as long as you have a record, but only with Equifax

Taxman - income tax