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Never passed a credit check.
Roryh
Posts: 72 Forumite
I have applied for a credit check twice in my life.
The first time was over three or four years ago when I tried to apply for a contract phone with O2. It was the first time I ever applied for a contract anything but the credit check failed so I moved on.
Recently I went on to Dell to apply for a laptop in a pay monthly basis. I needed this laptop for school so I applied for it. Again my credit check has failed.
Does anyone know what causes it to fail.
I don't owe any money out. I pay all my bills on time as my bank details would show and I am in debt to nobody.
Does anyone know what I can do to improve my credit rating?
(Sorry if this is the wrong forum).
The first time was over three or four years ago when I tried to apply for a contract phone with O2. It was the first time I ever applied for a contract anything but the credit check failed so I moved on.
Recently I went on to Dell to apply for a laptop in a pay monthly basis. I needed this laptop for school so I applied for it. Again my credit check has failed.
Does anyone know what causes it to fail.
I don't owe any money out. I pay all my bills on time as my bank details would show and I am in debt to nobody.
Does anyone know what I can do to improve my credit rating?
(Sorry if this is the wrong forum).
0
Comments
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Sounds like an ID, ie Electoral Roll, problem.
Suggest you order your credit report(s)* to see what the lenders see when they search your file.
* There are 3 CRAs (Experian, Equifax, & CallCredit), and a statutory report will cost £2 from each.0 -
Here's everything you need to know (from this very website):
"Your Credit rating and how to improve it"
http://www.moneysavingexpert.com/loans/credit-rating-credit-scoreYou're spelling is effecting me so much. Im trying not to be phased by it but your all making me loose my mind on mass!! My head is loosing it's hair. I'm going to take myself off the electoral role like I should of done ages ago and move to the Caribean. I already brought my plane ticket, all be it a refundable 1.0 -
Thanks very much for the info.0
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