credit history help please?

littlepinkstars44

I recently applied for a 0% CC to transfer the balance from my 3 store cards onto (all 29.9%) thinking i would be better off doing that.

Anyway it was declined. I know my credit history was bad, back when i was 18/19 but i'm 22 now, and thought it would have improved a bit.

Just wondering how i can see my credit history...without paying. I have already done the 30 day trial with credit expert, and when i log on it wants to charge me £6.99...which is £6.99 i don't have.

Anywhere else i can see it?

I'm sure i used a different website before once, but can't remember it now

stuartmck

Hi,

Bad credit history - defaults and the like - stay on your credit report for 6 years.

You can see your credit reports for free with both creditexpert (experian) and equifax. both of them offer 1 month free trials of their services.


EDIT: sorry, just re-read your post & noticed that you already used your 30 day trial with credit expert. Try using the equifax trial.

littlepinkstars44

Thanks i got on to Equifax to check it...few questions though

CurrentPreviousNumber of Accounts12n/aNumber of Defaultsn/an/a

it says that then under one it says:

StatusCredit LimitDate UpdatedStart DateDate Last DelinquentDate SatisfiedDefault DateDefault / Delinquent BalanceSettled£ 35002/04/200824/02/200503/0714/03/2007 £ 633

littlepinkstars44

I just want to write this all down and look at it properly....

Simply Be Account (i'm sure i closed this though)
No late payments

Dorothy Perkins Card:
Missed 1 payment July 2008

Kays Catalogue
Missed Payments: July&Aug 2007, June, Sept, Nov 2008,
Arangement to pay: Aug & Oct 2008
Query: Sept 2007, July 2008

BOS Credit Card
Missed Payments: March, June, July, August, September, October 05. Jan, Feb, March, April 06. June, July, August, Sept, Oct, Nov, Dec 06
Defaulted: Jan 07

Additions Account:
Missed Payments: July&Dec 07, Feb, May, June, Oct 08

Arcadia Staff Card:
Missed Payments: May and July 08

Carphone Warehouse
Missed Payments: Feb, March, June 07. Jan, April, June, July, Oct 08. March 09

New Look Card:
Missed Payments: May 08

littlepinkstars44

I also have 3 searches in the past 6 months

josephine82

I think the above explains why they declined you for a 0% card- lots of missed/late payments and if you have had 3 searches in the last 6 months I would recommend not applying for any more credit for a while.

Having read your other posts and seen your SOA it look like your only option is to either get more hours at work or get a better job. I only got the minimum student loan through university, didn't get any help from my parents so I worked almost full time, waitressing most evenings and weekends to pay for studying. Its tough, and really hard to balance work/study/social life but better than being in all that debt.

I imagine that once you are through with college/uni you will want to get a job, and then think about buying a house in the future. If you don't get debt sorted out now, it will be a MAJOR issue in the future.

AND- the more time you are at work, the less time you have for shopping...:rotfl:

view

I believe you can see your file for free (once a year) via annual credit check (can't remember the web address) just google it.

Tixy

Its also worth remembering you can get postal report for just £2 each for each of the 3 agencies whenever you want.

Once you have used the free trials its better to request a postal one maybe once a year rather than pay £6.99 a month.

clarence83_2

It's definitely because of missed payments, especially as some are very recent, and some you missed very regularly.

Also, if you missed a payment on a 0% card, the 0% would not be valid anymore and you would revert back to a high rate, which is probably not that different than the current store card APR's.

Do you pay your bills by direct debit? I would advise that you do this to avoid late payments. Just make sure the money is available!!!!

littlepinkstars44

thanks everyone. No i don't pay anything by direct debit, as my wages come in on a different day everymonth, and i'm scared they will try to take the money, when there is nothing in my bank...making it over it's overdraft limit and giving me more charges.

pelirocco

littlepinkstars44 wrote: »

thanks everyone. No i don't pay anything by direct debit, as my wages come in on a different day everymonth, and i'm scared they will try to take the money, when there is nothing in my bank...making it over it's overdraft limit and giving me more charges.

Different day ? or different date .........different day is normal and doesnt affect paying by dd because the dd will always come out on the same date ( unless weekend ) .

You need to do a cashflow forecast and only spend what you have after all the bills have been paid