Improve Credit Score

BONJOEY

hi hurricane , have you tried for credit? is that why you got a credit report?
if this shows on your file for 6 years, try writing to the bank, and explaing , how much this has affected your credit rating, due to no fault of your own, and feel it was there responsibilty, as they should of closed the account, its wortha try,
xx

chiefmissile

akashi wrote:

Hi, I have only just registered to this forum. I have a few questions that I would like to ask and I would appreciate any information that anyone can provide.

I have tried applying for credit cards about 8 times and all have been declined. I have not heard back from Vanquis, I applied for this card on 19/07/06, I am not holding my breath on getting accepted.

I have 1 default registered under my credit file and a lot of late payments. I also have a "Gone Away" instruction on my file set by CapitalOne, I spoke to them about this, they promised to change it within 2 weeks. I shall be writing to them about this too so I written proof.

Since I can't get a credit card or a proper current account, I wanted to know if there was any other ways I could improve my credit score.

My mum pays all the utility bills but she has never applied for credit and never will. I was thinking of getting all the bills under my name as we live in the same house and perhaps this will go in my favour into my credit file? I wanted to change these accounts under my name:

B.T. Phone Account Land Line
British Gas
London Electricity eDF
Thames Water

My main question here is does any of the above report to Experian or Equifax monthly or so?

I hold 3 current accounts, Woolwich OpenPlan Account, Abbey Instant Plus Account and NatWest Step Account.

I would like to rebuild my credit so I can apply for credit in the future should I need it.

Thanks.

Akashi,

After reading your post, the first thing i would say is switch your utility suppliers by the looks of it you are paying way over the odds for Gas and Elec. If you have not got a water meter then get one installed its free and you will save money by not paying standard water rate's, you will be amazed how much money you will save, then look at a credit card. https://www.uswitch.com