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    • liltdiddylilt
    • By liltdiddylilt 5th Dec 12, 1:54 PM
    • 4,017 Posts
    • 28,031 Thanks
    liltdiddylilt
    • #2
    • 5th Dec 12, 1:54 PM
    • #2
    • 5th Dec 12, 1:54 PM
    Hi

    Have you checked your credit history with both of the other credit scoring companies? Certain companies use different credit agencies. Equifax & CallCredit are the other 2 they might use.

    You mention paying off your credit card in full. Do you have access to a lot of credit? I.e. if you have a credit card with an allowance of 5000.00 AND an overdraft available of another 1000 or so, plus any store/catalogue or other credit cards, they will refuse you credit as you have ACCESS to too much credit already, regardless of whether you use it or not.

    How long/often have you tried to get credit. This will also make lenders think you are desperate for credit, as they can see your applications on file.

    HTH

    -Lilt
    NST June: SFD: 11/20 Groc/Toil/House: 0/250
    A black belt only covers 2 inches of your a$$ - You have to cover the rest yourself - Royce Gracie
  • ruintooeasy
    • #3
    • 5th Dec 12, 2:15 PM
    • #3
    • 5th Dec 12, 2:15 PM
    are you on the electoral roll?
  • pearce
    • #4
    • 5th Dec 12, 2:16 PM
    • #4
    • 5th Dec 12, 2:16 PM
    I only have a 500 limit on my credit card and I have removed my overdraft altogether, I still have a 1000 CCJ that im disputing, plus another account for 3000 that I have started paying off. Just sick of my credit never improving!!!

    *Yes im on the electoral roll
  • Jox
    • #5
    • 5th Dec 12, 2:32 PM
    • #5
    • 5th Dec 12, 2:32 PM
    Do you have a Vanquis card? Apply and pay it off in full.

    Can you purchase items from a catalogue and pay in full?
    [CENTER][B]Happy to have paid my credit card and loan debts off (2012)
  • pearce
    • #6
    • 5th Dec 12, 2:55 PM
    • #6
    • 5th Dec 12, 2:55 PM
    No i dont have a vanquis card, i always thought they were really high in apr!!! Dont have a catalogue either
  • Jox
    • #7
    • 5th Dec 12, 3:00 PM
    • #7
    • 5th Dec 12, 3:00 PM
    Vanquis is high APR but you will pay it off in full every month and this will help with your future credit rating.

    See if there is anything you need from Littlewoods or another catalogue and pay this off in full as well.
    [CENTER][B]Happy to have paid my credit card and loan debts off (2012)
    • liltdiddylilt
    • By liltdiddylilt 5th Dec 12, 3:01 PM
    • 4,017 Posts
    • 28,031 Thanks
    liltdiddylilt
    • #8
    • 5th Dec 12, 3:01 PM
    • #8
    • 5th Dec 12, 3:01 PM
    The CCJ will be the problem. When you say you are disputing it; have you paid off the debt in question? If you have satisfied it, then you are able to have it removed from your credit history so long as you supply the credit agency with all of the information and proof necessary.

    If you have not, regardless of the dispute it will be pretty difficult to remove from your credit history; how will you prove that the CCJ is not warranted or the debt is not owed?

    CCJ's stay on your history for 6 years or until notification of being satisfied.
    NST June: SFD: 11/20 Groc/Toil/House: 0/250
    A black belt only covers 2 inches of your a$$ - You have to cover the rest yourself - Royce Gracie
  • pearce
    • #9
    • 5th Dec 12, 3:35 PM
    • #9
    • 5th Dec 12, 3:35 PM
    I am applying to get the CCJ statute barred as the debt is over ten years old, the CCJ was only implemented this year by Wescot SPV!!!
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