Experian credit score PLEASE HELP!

Innocent_Guy

sutton111 wrote: »

I'm not on the Electoral roll yet and i got a contract with t-mobile, don't have extremely bad credit but it isn't great either. Try them but as YB said don't do wild!!!

cheers buddy

ShelfStacker_3

Try Barclaycard Initial. They accepted after Capital One and Vanquis declined for me (despite me having cards with both in the past... :S)

patrick0

Get a copy of your full report in the mail from Experian & Equifax (£2 each).

Being on the electoral roll makes a big difference in credit checks. The Aqua Call Centre workers probably don't have a clue how the credit scoring works.

Like others have said, your best bet is your own bank or the places offering cards to those with low scores.

secondtoughest

I've just found out I have a credit score of 806, or 'fair'. I'm not on the electoral roll, so I'll do that for starters. I have a couple of 0% CCs that haven't got a balance on them. I was keeping them in case of 'emergency' 0% loans, and I have my Nationwide CC for travel.

Should I be worried about the amount of CCs I have (3) in regards to my credit score or does it not really matter? It's only because I'm looking to get a mortgage in the next couple of years and obviously want the best rate possible.

Innocent_Guy

secondtoughest wrote: »

I've just found out I have a credit score of 806, or 'fair'. I'm not on the electoral roll, so I'll do that for starters. I have a couple of 0% CCs that haven't got a balance on them. I was keeping them in case of 'emergency' 0% loans, and I have my Nationwide CC for travel.

Should I be worried about the amount of CCs I have (3) in regards to my credit score or does it not really matter? It's only because I'm looking to get a mortgage in the next couple of years and obviously want the best rate possible.

Your score seems good Providing you maintain all account correctly this should actually have a good impact as it shows that you are mainting credit and are a responsible lender. The only downside is if you have too much avalible credit i.e have £50,000 availble on cc's but earn £10,000 per annum

Innocent_Guy

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Can everyone post the Experian, Equifax & Callcredit score

Innocent_Guy

Innocent_Guy wrote: »

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Can everyone post the Experian, Equifax & Callcredit score

No-one can help?

thriftymomma

What do you mean? Not everyone has paid for a credit score from each of the agencies.

Innocent_Guy

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Quietgirl

Hi Innocent Guy,

My credit raiting is not brilliant and I applied for a Flybe card, it comes in various bands, a, b & c, C being the highest intrest one, the card I got is 29% APR and they gave me a 2k limit, which I'll never use, I also got a Vanquis card with a shocking 59% APR with a £250 limit. I aim to use them to build up my credit record with lovely green 0's, but I shall pay them off each month so as not to incur interest. I got these from reading the sub prime credit card thread.

Quietgirl