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  • FIRST POST
    bubblybumble
    18 year old student no credit score rejected for mobile contract HELP!
    • #1
    • 2nd Nov 09, 11:34 PM
    18 year old student no credit score rejected for mobile contract HELP! 2nd Nov 09 at 11:34 PM
    Hi, my son is 18 and in college full time, he gets EMA of £30 a week, he has never been in debt and is very sensible with his money. He has tried to get a mobile phone with Orange and was refused, I told him it is because he has no credit rating. He doesnt want a credit card, he said he doesnt want to get in debt.
    How can he build a credit rating without getting into debt?
    Any help would be appreciated, he has never applied for anything in his life until he tried the mobile phone contract.
    He just wants a phone on a contract that he can afford.
    Last edited by bubblybumble; 02-11-2009 at 11:36 PM. Reason: 18 not 118
Page 1
    • woodbine
    • By woodbine 2nd Nov 09, 11:43 PM
    • 18,345 Posts
    • 24,709 Thanks
    woodbine
    • #2
    • 2nd Nov 09, 11:43 PM
    • #2
    • 2nd Nov 09, 11:43 PM
    is he on the electoral register?the easiest way of getting credit is to have or have had credit,sad but true,he may have to try payg meanwhile,asda being the cheapest at 8pmin and 4p a txt,does he have any other income apart from esa?,if not then until he does credit will remain a problem.
    • Dreamnine
    • By Dreamnine 2nd Nov 09, 11:55 PM
    • 5,752 Posts
    • 9,331 Thanks
    Dreamnine
    • #3
    • 2nd Nov 09, 11:55 PM
    • #3
    • 2nd Nov 09, 11:55 PM
    What's wrong with a PAYG? Cheaper, probably if you use skype.
    Individuals are custodians of the life stream—temporal manifestations of far greater being, forming from and returning to their essence like so many dreams.
    • Jakg
    • By Jakg 3rd Nov 09, 8:01 AM
    • 2,123 Posts
    • 967 Thanks
    Jakg
    • #4
    • 3rd Nov 09, 8:01 AM
    • #4
    • 3rd Nov 09, 8:01 AM
    How can he build a credit rating without getting into debt?
    Originally posted by bubblybumble
    Why does having a credit card mean you have to get into debt? ALL credit products (even phone contracts) could let you go into debt if you didn't pay.

    With nothing on my credit report but the electoral roll I was still accepted for a phone contract 15 minutes after I turned 18.
    • macman
    • By macman 3rd Nov 09, 8:46 AM
    • 40,036 Posts
    • 16,193 Thanks
    macman
    • #5
    • 3rd Nov 09, 8:46 AM
    • #5
    • 3rd Nov 09, 8:46 AM
    Apply for a credit card, then set the limit to something minimal like £250. Getting a card will help future credit scoring.
    No free lunch, and no free laptop
  • bubblybumble
    • #6
    • 5th Nov 09, 12:23 AM
    • #6
    • 5th Nov 09, 12:23 AM
    JAKG which company did you go with?
    My son is ultra careful and hates credit cards not everyone wants them.
    Thank you all for your help, he is on the electrol register we moved into our new home a month ago maybe thats where the problem is.
    • Jakg
    • By Jakg 5th Nov 09, 1:02 AM
    • 2,123 Posts
    • 967 Thanks
    Jakg
    • #7
    • 5th Nov 09, 1:02 AM
    • #7
    • 5th Nov 09, 1:02 AM
    CapitalOne mega-uber rubbish card, aka Classic - http://www.capitalone.co.uk/creditcards/classic-credit-card.jsf

    My credit score (at the time) was nothing - I was on the electoral role and then applied for a phone contract (accepted) on the 23rd (i.e. the day I was 18), and then on the 27th I applied for the CC and was accepted (albeit with a £100 limit).
    • markfj
    • By markfj 5th Nov 09, 3:21 AM
    • 366 Posts
    • 149 Thanks
    markfj
    • #8
    • 5th Nov 09, 3:21 AM
    • #8
    • 5th Nov 09, 3:21 AM
    When I was 19 I had trouble buying my car because of this too,
    so I had to get a loan out in my mums name and pay her back and eventually take the loan over to build my rating, since then my rating must be good as I had a mortgage at 21

    0% credit card is a good idea to, just pay as you spend
    • maxtweenie
    • By maxtweenie 5th Nov 09, 8:09 AM
    • 1,278 Posts
    • 1,693 Thanks
    maxtweenie
    • #9
    • 5th Nov 09, 8:09 AM
    • #9
    • 5th Nov 09, 8:09 AM
    When I was 19 I had trouble buying my car because of this too,
    so I had to get a loan out in my mums name and pay her back and eventually take the loan over to build my rating, since then my rating must be good as I had a mortgage at 21

    0% credit card is a good idea to, just pay as you spend
    Originally posted by markfj

    If you've got no credit history, there's no way you'll get a 0% credit card. More like 30% APR
    • talkalot
    • By talkalot 5th Nov 09, 8:39 AM
    • 217 Posts
    • 57 Thanks
    talkalot
    The other option is to apply for a CC use it wisely for a couple of months eg pay of the full bill. This will help your score. Try then for another contract. If your successful then there is no reason why cant just cancel the card or just cut it up. Orange must have tightened up their credit scoring. I completed a IVA last year eg my credit score was . Orange were quite happy to give me a contract.
    • markfj
    • By markfj 5th Nov 09, 4:06 PM
    • 366 Posts
    • 149 Thanks
    markfj
    If you've got no credit history, there's no way you'll get a 0% credit card. More like 30% APR
    Originally posted by maxtweenie
    Yes, sorry I didnt mean that as an inital way to get a credit rating just in general...

    The only way I could do it is how I metnioned above, I was offered a loan for my car by Bank.. 27% interest, clearly I said no

    My mum got a loan at around %6 interest, I paid her every month, until I could take loan over and built it like that

    Also, as mentioned above, double check he is on the electrol role, I vote every year and for some reason i wasnt on there, hence why I couldnt get finance on car initially
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