Improving your credit rating whilst unemployed and on benefits?

davethorp

Might want to read the OPs post again. Pretty sure they said they were in income support rather than JSA, presumably due to illness. Hope your job doesn't involve reading or taking in facts lol.

All well and good saying that people claiming JSA should be made to work or job seek properly. It's just as well we aren't in the middle of a recession with unemployment at its highest level for years and so high that there are more unemployed people than there are available jobs. Oh wait a second...........

terryw

OP
Please really think what you are doing. Why on earth do you want credit when you have large debts already? A credit rating is actually a liability.

jilted_john

Yes definatly wait a second_in 1980 when i left school my and my mates future was signing on the dole,in my town at the time dole ques regularly 50-100yardsv long at the now shut down unemployment office.
The local paper would come out once a week used to get it at 6am in the morning to see if any jobs,3-4 jobs PER WEEK advertised.
job centre boards EMPTY except for youth opportunities programmes at £23.50pw for 40 hours 7am-5pm.no extra dole money,no internet to go on job centre plus, and apply for credit,no transport,no future at all 1 in 10 out of work!!!
THATS A REAL recession dave thorp

jilted_john

FURTHER INFO
the jobcentreplus site is crammed full of jobs-as norman tebbit told us in 1980 GET ON YOUR BIKE AND LOOK FOR WORK

IHopeSo

Shocked by others comments, this forum is about helping people NOT being judgemental, if you'd read OP's threads from the beginning he states he has been unwell for 8 yrs & not able TO GET ON HIS BIKE AND LOOK FOR WORK !! he's obviously trying hard to better his situation/ credit score as recommended by martin on here and obtain a credit card.

All the best with the credit card!!!! :p:p

Geenie

I know of two brothers, who were both disabled. One broke his back at 14 years of age and was a paraplegic hence, but had Muscular Dystrophy to contend with, along with a younger brother who inherited the gene from their father.

They both worked, albeit in sheltered conditions, but they never did not get in their wheelchairs at 7am in the morning and not try to earn an income and support their carer who was their mother. They worked from 8am to 5 pm, 5 days a week preparing surgical packs, garments for hospitals, even when the strength in their hands was very poor towards the end.

The excuses put up here for not being able to work, is quite frankly something I can't put into words without expletives.

digitalphase

Too many people are quick to judge on this forum :rolleyes: Though I suppose that's the nature of forums, easy to hide behind a computer screen and say whatever you want, no matter if people get offended :rolleyes:

Personally, I am a student, just finished Uni, looking for a job but haven't got one just yet. I am now on my 2nd proper month of looking. I have applied for a LOT of jobs, though I'm finding I'm either overqualified or not got enough experience :rolleyes: I'm still trying though I won't stop until I've found something.

Regarding the OP, they are out of work due to an illness, so why slate them? Presumably the OP is going to resume looking for a job once they get well, so what are they supposed to live off in the mean time? By the way OP, I think you're lucky living with your parents, I live with boyfriend who earns a fair wedge, and as such I cannot claim JSA anyway :rolleyes: Despite his finances having nothing to do with me and not being financially linked. So I am struggling at the moment.

As long as you have every intention of finding a job soon then I don't see a problem with you getting a credit card. Presumably you'd like a mortgage at some point, so your credit rating needs to be good. I have 3 credit cards and a catalogue, but only a small balance on my Capital One, but they are useful as back up while I look for a job.

Anyway, best of luck with the job hunt OP, hope you get better soon.

Just in case anyone missed it: THERE IS A RECESSION ON. MEANING THE AMOUNT OF UNEMPLOYED OUTWEIGHS THE JOBS AVAILABLE.

What annoys me is the amount of 'stupid' people WITH a job, but that's another rant :D

krato

Still not recieved call/letter or anything so shall wait it out, will let you know what my outcome is! Thanks for the help =]

As for the 'don't get one because you already have debt' I have no self inflicted debt other than my university loan, which I got because I was.. well at university, couldn't be helped and I thought it would be a decent thing at the time, I've already saved up about half to pay off my loan and the interest on it is tiny so I don't see it as a worry. I have no other debt at all, whenever I borrow money I pay it off as soon as I can, and wouldn't use a credit card for anything else other than small purchases to help my credit rating. I'm not silly enough, nor independant enough to *NEED* to borrow money, I can't go out so I don't spend as much on food/alcohol/clothes as most other people and I don't have important bills that I could get behind on, It's primerily for buying then paying off instantly via online banking. I'm supported by lots of people so if I did need to borrow some huge ammount for any reason I would never get it on a credit card. I'm prety sensible when it comes to money so It wouldn't get me in debt, but thanks for the thought.

seeya23

i would give capone a call here the number
For existing application enquiries telephone 0800 952 5452

Line open 8.00am - 9pm Monday to Friday, 8.30am - 5.30pm Saturday

krato

seeya23 wrote: »

i would give capone a call here the number
For existing application enquiries telephone 0800 952 5452

Line open 8.00am - 9pm Monday to Friday, 8.30am - 5.30pm Saturday

Thanks seeya, I'll contact them in 7 days if I don't receieve a reply, I doubt they could tell me anything if they haven't done the further checks etc.