Poor Credit History Due To Living Abroad....

gabby71

Hi

I moved back to the UK in April 2009 after living abroad for 4 years.
I got a job pretty much straight away and opened a bank account, my wages go in every month and I have various direct debits taken out - mobile phone, utilities, rent etc.
It seems that in order to get a credit card or loan, I have to supply 3 years previous addresses in the UK, obviously I can't do this for another year!
Is there any card company that will allow me to take a card without being able to supply 3 years previous addresses?
I am also paying off 2 minor CCJ's and they should be satisfied in a few months.

thanks in advance

Gabby

bengal-stripe

gabby71 wrote: »

I am also paying off 2 minor CCJ's and they should be satisfied in a few months.

That's where the problem lies!

Dabooka

Can I ask what constitutes a "minor" CCJ?

chattychappy

Yep if it's so "minor" as not to be important, then why can't pay them off and clear them now? (Don't mean that in a nasty way...)

This will be more serious than the 3 year hurdle.

A friend of mine just supplied his overseas address (followed by 2 years here) and that was OK - though I appreciate in your case they seem to demanding 3 years in the UK.

Another way might be to supply the address of anyone who was taking care of your mail etc - eg parents. I wouldn't push it further than that though - because it could be fraudulent.

KingElvis

Love the "minor" CCJs comment, class.

gabby71

Hiya

the CCJ's amounted to a couple of hundred quid - one for a mobile phone and the other for a Barclaycard.
i have been paying them off monthly and both should be cleared by May.

cheers

bengal-stripe

CCJ are about the worst thing one can have on one's credit file.
(Even ‘settled‘ won‘t make a great deal of difference.)

Those judgements will stay on your file for six years. No lender will touch you.
After all, you had a credit card and you blew it.

KingElvis

gabby71 wrote: »

Hiya

the CCJ's amounted to a couple of hundred quid - one for a mobile phone and the other for a Barclaycard.
i have been paying them off monthly and both should be cleared by May.

cheers

There is NO such thing as a minor CCJ, one for £8 will have the same effect as one for £8000 when it comes for applying for credit.......it's like saying a minor limb aputation