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  • FIRST POST
    • Scoutingforahome
    • By Scoutingforahome 15th Sep 17, 12:57 PM
    • 2Posts
    • 1Thanks
    Scoutingforahome
    credit score gone down from getting a credit card ???
    • #1
    • 15th Sep 17, 12:57 PM
    credit score gone down from getting a credit card ??? 15th Sep 17 at 12:57 PM
    i am looking to get a morgage in the next 6 months.
    unfornatly looking at my credit score i have an un paid phone bill (which i have sorted now) and not on electro roll (will be on in december) my score isnt great from these two things but i have always paid phont/car/subscriptions from my bank and apart from that phone bill and a breife stuggle when i was 17 (the insurnace made me overdrawn by a couple of quid)i have been very good. I stuggled to get a bank card and im even more !!!!ed off that barlcyes promised to soft check me and done a hard check that also dented my score. but one thing thats coming up as a negitive now is that i have a credit card and also its bad thats ita only £500. i have been buying fule (aprox 60 month) off it (i have only had the thing for 2 weeks so yet to see if it dose me good) but my question is is how do i get more money? and any tips for using it to get my credit score back up fast.
Page 1
    • Scoutingforahome
    • By Scoutingforahome 15th Sep 17, 12:58 PM
    • 2 Posts
    • 1 Thanks
    Scoutingforahome
    • #2
    • 15th Sep 17, 12:58 PM
    • #2
    • 15th Sep 17, 12:58 PM
    mortage * sorry guys
    • zx81
    • By zx81 15th Sep 17, 1:06 PM
    • 14,115 Posts
    • 14,800 Thanks
    zx81
    • #3
    • 15th Sep 17, 1:06 PM
    • #3
    • 15th Sep 17, 1:06 PM
    Your credit score is fictional and can be ignored. It reacts negatively to change, ie getting the card.

    Lenders, however, will view you more positively now you have a credit card.

    Use it regularly and clear in full month, once you receive the statement.
    • Car1980
    • By Car1980 16th Sep 17, 8:23 AM
    • 233 Posts
    • 112 Thanks
    Car1980
    • #4
    • 16th Sep 17, 8:23 AM
    • #4
    • 16th Sep 17, 8:23 AM
    You'll get rejected for things immediately if you're not on the electoral role. So don't apply for anything until you're on it
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