about credi file some Q's

piniguotis

Hi all,

I'm currently got out of my debts, but my credit file is battered. ( i registered for crediexpert)

I wanted to ask for ways to fix it.


Mobile phone on my name . (contract - does not appear on my credit file )

and if i take house hold bills on my name, is it gonna help to my credit file ????

Is there any more ways to fix it ?? because i was thinking to take Credit builder from

cash plus.

is there anything else out there ???

i tried to apply for capital one and vanquis credit card but i been refused for both of
them. i would like to take credit card even with sky high interest, but nobody excepts me . is there some cards for people with defaults and CCJ ??

boredofbeingathome

I really wouldn't apply for any more as unfortunately the more you go for the more the searches are registered on your account which weirdly can lead to more refusals.
The best thing to do is to work out a plan to get your debts down, create a good record that way. CCjs remain on file for over 6 years. Sorry if that is'nt what you wanted to here and is only my take on things based on what i have read about it. Others may be along with different advice.

piniguotis

but i have no more debts on my credit file, all debts been cleared

piniguotis

just nobody answered my question

does bills ( British Gas - electricity) - helps to my credit file ???