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help! credit file problems
spaghetti_monster
Posts: 1,019 Forumite
in Credit cards
I'm trying to sort out my credit file and getting very confused!
Firstly I'm trying to reduce the cost of my debt but have been refused by 2 credit cards (halifax about a year ago and capital 1 recently).
When I checked out my files I realised that equifax had NO info on me at all! I got them to re-check the electoral roll details and they managed to put those on, but there is still nothing else.
I've had a lloydstsb credit card since 2004 (14%), lloydstsb loan since 2000(10%) - all monthly payments received, no problems, no defaults etc. Not to mention all utility/phone/etc payments made on time and a regular moderately ok income.
I called lloydstsb to see if there was anything they could do - they said no, but I was such a good (gullible??) customer they could offer me £16,000 credit on the spot! (But of course not at a competitive rate!)
So if I'm such a good customer, why did I get refused those other cards? Would it be because of the blank file?
Would it help to put details of my past credit in the "notice of correction"? Does it help to have as much info as possible on the file? The other agencies (experian, call credit) have just details of electoral roll and credit card.
Sorry to ask so much, but I'm afraid I'll just keep getting refused and I want to knock this persistant debt on the head!
All other aspects of Money-Saving are going very well but this is the biggie!
Firstly I'm trying to reduce the cost of my debt but have been refused by 2 credit cards (halifax about a year ago and capital 1 recently).
When I checked out my files I realised that equifax had NO info on me at all! I got them to re-check the electoral roll details and they managed to put those on, but there is still nothing else.
I've had a lloydstsb credit card since 2004 (14%), lloydstsb loan since 2000(10%) - all monthly payments received, no problems, no defaults etc. Not to mention all utility/phone/etc payments made on time and a regular moderately ok income.
I called lloydstsb to see if there was anything they could do - they said no, but I was such a good (gullible??) customer they could offer me £16,000 credit on the spot! (But of course not at a competitive rate!)
So if I'm such a good customer, why did I get refused those other cards? Would it be because of the blank file?
Would it help to put details of my past credit in the "notice of correction"? Does it help to have as much info as possible on the file? The other agencies (experian, call credit) have just details of electoral roll and credit card.
Sorry to ask so much, but I'm afraid I'll just keep getting refused and I want to knock this persistant debt on the head!
All other aspects of Money-Saving are going very well but this is the biggie!
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