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  • FIRST POST
    • gionnetto
    • By gionnetto 13th Sep 17, 12:16 AM
    • 3Posts
    • 0Thanks
    gionnetto
    Eligibility on Credit Cards for no credit history
    • #1
    • 13th Sep 17, 12:16 AM
    Eligibility on Credit Cards for no credit history 13th Sep 17 at 12:16 AM
    Hi there,
    I am an EEA citizen who relocated to the UK at the end of May 2017. I have a full-time permanent job, a bank account, a landline contract, a PAYG SIM only deal, a home content insurance (whichI pay monthly), a cashplus pre-paid card with credit builder, and am enrolled in the electoral roll.I also am renting an apartment and pay the rent through Credit Ladder.

    The next things I have to do are, a mobile contract and a credit card, and that's what my questions are about!

    1. should I focus on the mobile contract or the credit card first? Unfortunately my bank reports to call credit and equifax and my landline provider to equifax. Turns out Experian has a hard time knowing who I am LOL I need a mobile contract with O2 (reason: coverage where I live, aka NI) which seems to have a hard time finding me, so I suspect they check Experian. Hence I don't know whether to try getting a contract with O2 or a credit card first... suggestions?

    2. when I checked my eligibility, I scored 95% for Aqua Advance (which I like) and only 50% for Tesco Foundation. Originally, I wanted Tesco Foundation so badly, but when I delved in Aqua's characteristics I liked them as well. I don't kow what CRAs they report to though, and therefore I don't know which one would help me building my credit history with Experian all the while using Equifax (or Callcredit) to assess me as a borrower.

    3. given my situation, what is the best application sequence to land me resutls?

    Thanks!
    RT
Page 1
    • zx81
    • By zx81 13th Sep 17, 8:39 AM
    • 13,186 Posts
    • 13,499 Thanks
    zx81
    • #2
    • 13th Sep 17, 8:39 AM
    • #2
    • 13th Sep 17, 8:39 AM
    Aqua, plus a mobile contract.

    If declined, give it a couple of months.
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