Help! Poor credit rating = no credit card

cl74_2

I was wondering if somebody could help me. I've got about £1500 on a credit card and put it this way over £15k on a loan - i really want to consolidate the whole lot as i am currently paying about £490 a month with Egg.

I always, always make payments on time, and have never had any ccj or anything - yet, i don't seem to be accepted by anybody - i have tried a few different cards & loan companies which have been suggested by this website.

I have only been in my current job for 6 months and have only lived in my rented accomodation for 1.5 years, so perhaps that makes a difference?

I'd be very grateful for any words of wisdom....

Debras_Angel

Hi,

You can get your credit rating for free as some of the threads on this site have indicated, I'm not techie enough or I would have sent you the links, but I also think that Martin has put it on one of his boards as well. Would be worth you have a look through, I'm sure it was on the mortgage boards. I will have a quick look see what I can see. I know they say that if you are applying for lots of different cards/loans then that has an impact on your rating as well!

Nothings ever simple!
Debs

Debras_Angel

Hi found the info it's on the Mortgages and Endownments on the 02/11/05 kicked off by Fairdo.

HTH

Debs

Bestthingsinlifearefree

Are you on the electoral register where you live ? If you are that will help your credit rating.

If you make to many applications for a credit in a short space of time this damages your credit rating.

On https://www.experian.co.uk I think you can get a free credit report ie have a look at your own file and see whats on there.

grumbler

Your Credit Rating: How they decide and how you find out for free , Loophole to get a free credit rating - Martin's articles mentioned above.

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