problem getting credit card - can U help.

gary_pacha

I have just got my credit report from both of the main agencies, and its looks in top condition, except for all these random address's that I lived at when I was a student, can I get these removed from my search. 2 of the address I didn’t live at but did get my bank statement and credit card sent to, can I get these removed because I think they are affecting my credit , as I got rejected for a credit card from the Alliance and Leicester, but they did give accept me for a online current account. I am back at my home address now .

Thanks in advance

Rafter

Different companies give different weightings to time at address.

More likely if you have just graduated, is lack of earnings history and presumably some student loans.

Suggest you try getting something like a graduate card from Barclaycard or a capital 1 card. Wait 3 months and then try going for the card you want.

Each company uses different scoring so just because your agency credit file looks ok, doesn't necessarily mean you will get accepted.

R.

gary_pacha

I have been working for a year now, I already have 2 credit cards
Barclay card gold visa outstanding 0
Virgin mastercard outstanding 3300
But I want to a balance transfer, but barclaycard wont increase my limit (which is £1000), so is there anyway of BT all of to barclaycard, This is why I applied for an other card, I thought I may have to get another card to do a BT.

Would the address be affecting my application form, and is there anyway of getting them of my report.

Regrads
Gary