Question before I apply for card.

El_Benno

I have had no credit now for about 3 years.
I have no CCJs but do have some late payments and a couple of default notices that show on Equifax for old mortgages and credit cards.

I would like to build up my credit rating to get a new mortgage, so Im thinking about applying for a Vanquis card and paying it off in full for 6-12 months.

Now before I apply for any card, my partner has offered to add my name to her mortgage for 12 months. Would this be a better option for improving my rating or should I go for the card option??

Any help or advice would be great.

Regards,

el_benno

CLAPTON

your partner's credit rating will be damaged by forming a financial relationship with you

Rufus_348

I'd go with the credit card if you're sure that you can pay off the balance in full every month - it shows that you're making the commitment yourself and, like clapton says, protects your partner too.

Good luck, I've heard good things about the capital one classic card for poor history as well if you need another option - here's a review http://!!!!!!/4SDEHz

Hope this helps x