Can't get credit anywhere

IronWolf

Hi

My gf is having a real problem in that noone anywhere will give her credit. She is from France and has been self employed for about 6 months with a steady income. She has moved around a lot in the 4 years she's been in England which isn't helping her credit record.

She really needs a mobile phone for her job to get emails instantly, as she gets emails offering work to a group of people and without responding within 1-2 minutes the work goes to someone else.

But she has now tried 3 times to get a small mobile contract, but noone will let her. Its a pathetic amount of money each month really compared to her income, its not like she can't pay it, but still no joy.

She then applied for a credit card hoping to improve her credit rating, but that was rejected also.

She got a credit report from expedia, which was as useful as a condom machine in the vatican, but she did register on the electoral roll after seeing it affected her.

I remember getting a mobile contract when I was in school earning nothing, having no credit history, how can she be having so much trouble!?

Last night we even tried just lying on the application saying she had been here for 5 years in the same address, was married to me and was full-time employed. Still rejected!

Now I'm thinking shes got so many fails on her record its gonna make it even harder to build her rating.

Anyone got any ideas what she can do? Maybe get a credit card that accepts poorly rated people and hope to build her rating?

HETTY

If she keeps trying to get credit after each failed attempt its just going to make her credit worst, to improve her credit she needs to stop applying.
Why doesnt she just get a pay as you go sim? There are some great deals around.

DermotFlanigan

I've switched to orange pay as you go, Unlimited texts, 100 minutes and 100mb of internet (Should be plenty for recieving a few emails)

All for £10 a month. It was costing me £16 a month on contract without the internet allowance!

jon_boy75

matthewandemma wrote: »

I've switched to orange pay as you go, Unlimited texts, 100 minutes and 100mb of internet (Should be plenty for recieving a few emails)

All for £10 a month. It was costing me £16 a month on contract without the internet allowance!

here's your answer

Dabooka

Not being on the ER will have pretty much made every application a worthless attempt.

Trajal

1. Get on the electoral register.
2. Buy a blackberry on a deal, predicated to the Mobile Phone shop that you will only buy it if you can get a Sim-only deal with Orange.
3. Get a £20/month (gives you unlimited emails, 100 texts, 100 minutes to mobiles, 1000 minutes to landlines) sim only contract with Orange. It's on a month by month rolling contract. After six months she can upgrade to a proper contract (I now have the £20/month for personal use, and also on my account a £35/month for work use and a £35/month for my fiance - the latter two came with shiny new top of the range blackberry's included in the 12 month contracts).

I actually managed to do this without being on the electoral register, and with 3 defaults on my credit file. I'm fairly sure she should be ok!

Trajal

Oh and by the way, lying on a credit application form? Were you drunk?! That is a legal document, a fraudulant application could potentially annihilate what little credit she has, and do untold damage to her chances for the future.

Do not lie on these things!

thenudeone

Trajal wrote: »

Oh and by the way, lying on a credit application form? Were you drunk?! That is a legal document

That's what's known as "Obtaining pecuniary advantage by deception." under the Theft Act 1968 http://www.legislation.gov.uk/ukpga/1968/60/section/16 (since repealed and replaced by the Fraud Act 2006)

chattychappy

thenudeone wrote: »

That's what's known as "Obtaining pecuniary advantage by deception." under the Theft Act 1968 http://www.legislation.gov.uk/ukpga/1968/60/section/16 (since repealed and replaced by the Fraud Act 2006)

Yep.. well technically now known as "fraud by misrepresentation" (s2).

Though a prosecution is highly unlikely (no loss crystallised), a real danger is that it gets spotted and recorded by the National Hunter database (http://www.nhunter.co.uk/) or the like.

Sorry to say OP, saying you have a stable job when you have been self-employed for 6 months is almost a contradiction in terms. At least in the eyes of a CC.

Marry the girl!

Venusflytrap

IronWolf wrote: »

She got a credit report from expedia, which was as useful as a condom machine in the vatican

Probably why it was worthless?:rotfl:

May be worth checking what equifax and call credit say too.

Tixy

OP - I would suggest you read this http://www.moneysavingexpert.com/loans/credit-rating-credit-score#fraud
The lies on the latest application should show as an inconsistency on the national hunter database - likely to have made it much harder for her now to get any credit.