Tips to building up a good credit report and score

images (1)This post is aimed at people who would like to build up there credit score and build a good credit report in the UK. This is not aimed at people who have completely screwed up there credit history and report, though the same principles below will help improve it moving forwards.

Lets define what credit is : Credit is the ability to make payments over time, you need to show that you can pay balances off over a period of time.

Do not just go and get a loan and pay it off 3 days later as this will not show that you can make payments over time. Instead get a loan and pay 2/3rd of it off and then pay the rest in instalments every month.

lets define your Credit Score, your score is just a number based on criteria that the credit reference agency use. This is used to predict how likely you are to make payments in the future.

Its based on the following:

35% – History – This will show if you have made payments successfully on time over a sustained period of time.

30% – Debt Ratio – This is the amount of credit available to you vs what you have spent, this ratio should be as low as possible

15% – Age of Accounts – This is the avg age of the credit accounts you have, providing you have never missed a payment this will have a positive effect on your report

10% – Mix of credit available to you – having 2-3 credit cards and a loan that you are able to pay off every month will have a positive impact on your report

10% – inquires – credit searches by credit companies. you should have as little of these as possible

Building credit – take out small loans and pay half the balance back and then pay 20 one month 50 next 30 next. if you can not get “credit” go to a bank and get a secured card, this is where you give the bank some money upfront and they put this on a card, this helps establish history.

How to pay on credit – Only use 10%-30% of your balance, so if your balance or available credit is £3,000 set your self a limit of £900 a month and do not spend more then this limit. you must be able to pay off this new limit in full every month.

Following some of the guides above should help you improve your report and scores

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Connecting a Draytek 3100 to Cisco 1814/877 over SHDSL…

Connecting a Draytek 3100 to either a Cisco 877 or 1814

Draytek:

Draytek 3100 SHDSL to Cisco 1814 2Draytek 3100 SHDSL to Cisco 1814 3 Draytek 3100 SHDSL to Cisco 1814 1
Cisco

interface ATM0/1/0
 no ip address
 no snmp trap link-status
 no atm ilmi-keepalive
 dsl equipment-type CO
 dsl operating-mode GSHDSL symmetric annex A
 dsl linerate AUTO
!
interface ATM0/1/0.1 point-to-point
 ip address 192.168.1.1 255.255.255.252
 no snmp trap link-status
 pvc 2/100
  oam-pvc 0
  encapsulation aal5mux ip
 !
!

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Hatteras Network HN-408-CPi BT EFM/SHDSL

Overview and Description (Commonly Used by BT EFM)

Hatteras Network HN-408-CPi 02Hatteras Network HN-408-CPi 03Hatteras Network HN-408-CPi 01Hatteras Network HN-408-CPi 04

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Cisco CLI Commands… reference guide…

Below I list a CLI Command reference for Cisco routers.

# Configure Interfaces

interface FastEthernet0/0
description SOMEDESCRIPTION
ip address 192.168.1.1 255.255.255.0
no ip proxy-arp
duplex auto
speed auto

OR

interface FastEthernet0
 description Local LAN1
!
interface FastEthernet1
 description Local LAN1
!
interface FastEthernet2
 description Local LAN1
!
interface FastEthernet3
 description Local LAN1
!
interface Vlan1
 description Local LAN
 ip address 192.168.1.1 255.255.255.0

# Configure DHCP

ip dhcp excluded-address 192.168.1.1
!
ip dhcp pool pool1
network 192.168.1.0 255.255.255.0
default-router 192.168.1.1
dns-server 8.8.8.8
option 66 ascii "http://provisioning.domain.local/yeslink.php"

# Configure default routes

ip route 192.168.1.0 255.255.255.0 10.0.0.25

route of last resort resort

ip route 0.0.0.0 0.0.0.0 10.0.0.96

# Configure NAT to access the internet

interface vlan1
 description LAN
 ip address 10.10.11.1 255.255.255.0
 ip nat inside
 ip virtualreassembly in
!
!
ip access-list extended NAT
 permit ip 10.10.11.0 0.0.0.255 any
 remark access list for NAT
 ip nat inside source list NAT interface Dialer1 overload
!

# Configuring a sample NAT (Network Address Translation) Rule

# Configuring a sample PAT (Port Address Translation) Rule

object network WebServer-HTTP
host 192.168.102.5
nat (inside,outside) static 192.168.1.194 service tcp 80 80

# Configure TelNET

Setting up an access list

ip access-list standard telnet-in
permit 192.168.1.0 0.0.0.255
deny any

Setting up the ports

line vty 0
 session-timeout 30
 access-class telnet-in in
 password password
 login
 transport input all

# Configure system user environments

hostname ROUTERNAME
username test privledge 15 password 0 password

# Configure Vlans

interface Vlan1
 description LAN
 ip address 192.168.1.1 255.255.255.0
!
interface Vlan2
 description VOICE
 ip address 192.168.2.1 255.255.255.0
!
interface Vlan3
 description CCTV
 ip address 192.168.3.1 255.255.255.0
interface FastEthernet0
switch port access vlan 1
 description Local LAN
!
interface FastEthernet1
switch port access vlan 2
 description Local Voice
!
interface FastEthernet2
switch port access vlan 3
 description Local CCTV
!
interface FastEthernet3
switch port access vlan 1
 description Local LAN
!

# Configure FTTC / VDSL

how to configure a Cisco 887 router for VDSL vlan 101 (based on a BT Infinity service – UK)

VDSL Interface and subinterface

interface Ethernet0
no ip address
interface Ethernet0.101
encapsulation dot1Q 101
pppoe enable
pppoe-client dial-pool-number 1

Shut down the ATM interface and subinterfaces

interface ATM0
shutdown

Create the Dialer1 interface

interface Dialer1
description Dialer interface for VDSL
mtu 1492
ip address negotiated
no ip redirects
no ip unreachables
no ip proxy-arp
ip nbar protocol-discovery
ip flow ingress
ip nat outside
ip virtual-reassembly in
encapsulation ppp
ip tcp adjust-mss 1452
dialer pool 1
ppp authentication pap chap ms-chap callin
ppp chap hostname xxxx
ppp chap password xxxx
ppp ipcp address accept
no cdp enable

# Configure Controller DSL 0

controller DSL 0
 mode atm
 line-term cpe
 line-mode 2-wire line-zero
 dsl-mode shdsl symmetric annex B
 line-rate auto
!
interface ATM0
 no ip address
 ip broadcast-address 0.0.0.0
 no atm ilmi-keepalive
!
interface ATM0.1 point-to-point
 ip broadcast-address 0.0.0.0
 snmp trap link-status
 pvc 0/38
  encapsulation aal5mux ppp Virtual-Template1
 !
!
interface ATM0.2 point-to-point
 ip broadcast-address 0.0.0.0
 snmp trap link-status
 pvc 0/21
  oam-pvc manage cc segment direction sink
 !
!
interface Virtual-Template1
 bandwidth 2000
 ip address negotiated
 keepalive 1
 ppp chap hostname USERNAME
 ppp chap password 0 PASSWORD
 ppp pap sent-username USERNAME password 0 PASSWORD
 ppp ipcp route default
 service-policy output parent
 hold-queue 224 in
!

# Configure Configure ATM0/0/0

interface ATM0
 no ip address
 load-interval 30
 no atm ilmi-keepalive
!
interface ATM0.1 point-to-point
 ip address 192.168.1.6 255.255.255.252
 pvc 2/100 
  no oam-pvc manage
  encapsulation aal5mux ip
 !
!

# Configure Dual xDSL connection (ATM 0/0/0 & ATM 0/1/0)

interface ATM0/0/0
no ip address
ip broadcast-address 0.0.0.0
shutdown
no atm ilmi-keepalive
dsl equipment-type CPE
dsl operating-mode GSHDSL symmetric annex B
dsl linerate AUTO
!
interface ATM0/0/0.1 point-to-point
ip broadcast-address 0.0.0.0
pvc 0/38
encapsulation aal5mux ppp dialer
dialer pool-member 1
!
!
interface ATM0/0/0.2 point-to-point
ip broadcast-address 0.0.0.0
pvc 0/21
oam-pvc manage cc segment direction sink
!
!
interface ATM0/1/0
no ip address
ip broadcast-address 0.0.0.0
shutdown
no atm ilmi-keepalive
dsl equipment-type CPE
dsl operating-mode GSHDSL symmetric annex B
dsl linerate AUTO
!
interface ATM0/1/0.1 point-to-point
ip broadcast-address 0.0.0.0
pvc 0/38
encapsulation aal5mux ppp dialer
dialer pool-member 1
!
!
interface ATM0/1/0.2 point-to-point
ip broadcast-address 0.0.0.0
pvc 0/21
oam-pvc manage cc segment direction sink
!
!
interface Dialer0
description ADSL Connection to Internet
ip address negotiated
encapsulation ppp
load-interval 30
dialer pool 1
dialer-group 1
keepalive 1
no cdp enable
ppp chap hostname USERNAME
ppp chap password 0 PASSWORD
ppp pap sent-username USERNAME password 0 PASSWORD
ppp multilink
ppp multilink links maximum 2
ppp multilink links minimum 2
ppp timeout retry 1

# Simple VRF config

ip vrf TABLE1
ip vrf TABLE2

interfaces fa0/0
ip vrf forwarding TABLE1
ip address 1.1.1.1 255.255.255.0

interfaces fa0/0
ip vrf forwarding TABLE2
ip address 2.2.2.2 255.255.255.0

Show ip vrf status

show ip vrf

Using VRF in OSPF

router ospf 1 vrf TABLE1
network 1.1.1.1 0.0.0.0 area 0

router ospf 2 vrf TABLE2
network 2.2.2.2 0.0.0.0 area 0

seeing global routes

show ip route

Seeing routes in table1

show ip route vrf TABLE1

Seeing routes in table2

show ip route vrf TABLE2

# Rip Configuration

router rip
network 10.0.0.0
network 192.168.1.1
no auto-summary

# OSPF Configuration

router ospf 1
 network 10.0.0.0 0.255.255.255 area 0
 network 20.0.0.0 0.255.255.255 area 0
!

# BGP Configuration

router bgp 65501
 neighbor 10.10.10.2 
 remote-as 2000
 password 
 ebgp-multihop 2
 update-source loopback0
 address-family ipv4 unicast 
  route-policy xxxxx in 
 !
!
!
router static
 address-family ipv4 unicast
 10.10.10.2/32 TenGigE0/1
 commit
!

# Connect two Cisco Routers together with G.SHDSL Point-Point
ROUTER 1 : Cisco 1841

interface ATM0/0/0
 ip address 192.168.1.1 255.255.255.252
 no atm ilmi-keepalive
 dsl equipment-type CO
 dsl operating-mode GSHDSL symmetric annex A
 dsl linerate AUTO
!
interface ATM0/0/0.1 point-to-point
 no snmp trap link-status
 pvc 2/100 
  oam-pvc 0
  encapsulation aal5mux ip
 !
!
interface ATM0/1/0
 ip address 192.168.1.5 255.255.255.252
 no atm ilmi-keepalive
 dsl equipment-type CO
 dsl operating-mode GSHDSL symmetric annex A
 dsl linerate AUTO
!
interface ATM0/1/0.1 point-to-point
 no snmp trap link-status
 pvc 2/100 
  oam-pvc 0
  encapsulation aal5mux ip
 !
!

Router 2 : Cisco 877

controller DSL 0
 mode atm
 line-term cpe
 line-mode auto enhanced
 dsl-mode shdsl symmetric annex A
interface ATM0
 no ip address
 load-interval 30
 no atm ilmi-keepalive
!
interface ATM0.1 point-to-point
 ip address 192.168.1.6 255.255.255.252
 pvc 2/100 
  no oam-pvc manage
  encapsulation aal5mux ip

# Factory Reset Vyatta

erase nvram: all

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The RAD LA-210 EFM SHDSL Box

Overview and description (Commonly Used By TalkTalk Business EFM)

When you order an EFM connection you are sent an RAD EtherAccess LA-210 unit to be installed on your premises. This is referred to as the Network Termination Equipment (NTE) or occasionally the RAD box.rad efm 3

The purpose of the NTE is to ‘bond’ the multiple lines that are used on an EFM connection into one line. There are Ethernet ports on the rear of the NTE that allow you to plug your own equipment (such as a router) in.

It’s important to realise that the LA-210 is not a router, and it is up to you to either configure your network to use the EFM connection, or purchase the optional router.

Because this RAD Box bonds 2 wire telephone lines (up to a total of 4 lines or 8 wires) together the effect is that you get an Eithernet cable/network cable that you can then plug in to your own kit

Some providers then have there own routers like Cisco, ZyXEL, and junipers connected to this box and can offer a whole range of services like VoIP, Data, CCTV etc.

Some providers also route your traffic directly in to there data centers, creating a private connection between you and the data center. This is usful for centrally managing internet connections and access, or to enable you to have a central hosted VoIP PBX in the cloud and connect all your phones to it.

Rear of the LA-210

The LA-210 provides four RJ-45 ethernet ports that the you can plug your own equipment into. These are on the far right of the picture below.

The two RJ-45 ports to the left are intended to accept the bonded copper lines. You should not need to touch these, and no other equipment should be plugged in here.

LA210_rear

Front of the LA-210

The front of the LA-210 includes LED lights that can indicate the state of the unit and the connection.

Please note when reading the table below that the indicated status of the WAN light will vary depending on whether your EFM circuit is a two-pair or four-pair installation.

LA210_front

LED/Name

Function

TXT (Yellow)

On: A test is active
Off: A test is inactive

ALM (RED)

On: A new alarm is detected in the alarm buffer
Off: No alarm currently detected

WAN (SHDSL SYNC – green/red/orange)

Blinking (green/red): At least one line is synchronized and at
least one line is trying to synchronize.
On (orange): At least one line is synchronized. All other lines
are unsynchronized and are not trying to synchronize.
On (green): All lines are synchronized
Blinking (red): No lines are synchronized. At least one line is
trying to synchronize.
On (red): No lines are synchronized

LAN (LINK/ACT – green)

On (green): Ethernet link is up
Off: Ethernet link is down

E1

On (green): E1 link is up
Off: E1 link is down

RTS

On (green): RTS has been received
Off: RTS has not been received or serial port is
administratively disabled

FUN Stuff – Accessing the Config

FOLLOW THE BELOW AT YOUR OWN RISK!!! – I TAKE NO RESPONSIBILITY!!
THE BELOW IS FOR INFORMATIONAL EDUCATIONAL PURPOSES ONLY!!

Now that we know what the RAD box is and does. Lets see if we can have some fun with it.

If you have had an EFM service installed by TTB then, you should be able to access the config on the RAD box. You simply need a USB to Serial adaptor.

Open Hyper terminal or putty and use the rate of 9600 on your com port, open the connection, then press enter a few times. you should see a prompt like the below:

 Loading ...
Decompressing to RAM.

Processing archive: FLASH
Extracting LA_210.BIN ................................................................................................................................................................................................... CRC OK
Running ...
*******************************************************************
* In order to start working - press the ENTER button for few times*




user>

Enter the user name “su” and password “1234

user>su
password>****


TEST#

if you type “info detail“, you will see the whole config of the RAD unit.

if you have a spare one or ha accuired it from someplease, then you can reconfigure it.

below i have listed a very simple config that you can copy and paste in to a factory reset unit.

to factory reset the box type “admin” <Prese enter> type “factory reset

this shows you the simple syntax the RAD box uses and configures it with some simple test stuff

 configure 
 router 1
 interface 1
 address 192.168.1.125/24
 management-access
 no shutdown
 exit
 default-gateway address 192.168.1.1
 exit

 management 
 manager 192.168.1.10
 exit
 user su password password
 user oper password password
 user tech password password
 user user password password
 exit

 system date-and-time
 sntp server 1 address 8.8.8.8
 zone gmt
 exit
 exit

 system
 name TEST
 contact "Bob The Builder"
 location "My Comms Room"
 exit

exit all
save
save

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