no credit,cant get credit(help)

ashsi18

both me and my partner have no credit and cant seem to get any. we have a mortage, i run my own salon and we both have contract phones but we still cant seem to get credit! we have never had credit cards, loans or debt as we keep getting turned down! i have checked loads of sites and we more than qualify for them we make good money and tick all the right boxes(eg electoral roll etc) i just dont understand. please can anyone help?

newDude

ashsi18 wrote: »

both me and my partner have no credit and cant seem to get any. we have a mortage, i run my own salon and we both have contract phones but we still cant seem to get credit! we have never had credit cards, loans or debt as we keep getting turned down! i have checked loads of sites and we more than qualify for them we make good money and tick all the right boxes(eg electoral roll etc) i just dont understand. please can anyone help?

Have you had a look at your Experian credit report (30 day free trial)?

Ben8282

I have two suggestions for you. Firstly, if you have a mortgage and run your own business I assume you have a bank account. Apply for a credit card from your bank. If your bank refuses you a card, challenge them. Tell them your salary is paid into your account, a mortgage direct debit is paid regularly from your account etc etc so why can't they let you have a credit card even with a small limit?

Suggestion number two would be to apply for a card to one of the so-called sub-prime lenders just to get a card, use it and pay it off each month in order to establish a credit history.

Can you perhaps be more specific about your keep getting turned down? What sort of things have you been turned down for?