Cant get next account cant get current account whats going on?

martino17

Hi i posted on a different part of this forum for some help on how to get my credit rating up..currently at 0!....i tried to follow some ideas but....

Applied for a next account online, got accepted but when i came to buy something it wouldnt work and said i would have to pay with a debit card or paypal this time?....

also tried to open a account with halifax online but it wouldnt let me!...gonna ring and make a appointment tomorrow to see if i can do it in store....just seems like there is something bad about my name!....i have always paid insurance on time never had a loan or been in debt either!....what could the problem be?

rachelonna

what does your credit history say?

McKneff

You really need to check your credit file before anyone can help you.

jonesMUFCforever

Are you on electoral role?

YorkshireBoy

martino17 wrote: »

i tried to follow some ideas but....

One of the "ideas" was to check if you're on the electoral roll.

I assume you've done this? Are you on it?

Suggest you order your credit reports (£2 statutory, not credit 'scores') as recommended within this article...

http://www.moneysavingexpert.com/loans/credit-rating-credit-score

martino17

I did a credit report with annualcreditreport....later i found these had a really bad review!...There are 3 alertrs on file coming up with aviva....i have emailed aviva to find out if they can tell me what this is? and how do i get it removed...as i say i have never missed any payments

YorkshireBoy

martino17 wrote: »

I did a credit report with annualcreditreport....

From memory, that report only contains information from CallCredit, the least used CRA?

Better to get your reports directly from Experian & Equifax.

martino17

But if i go for another report wont it go against me?....also it seems u need a solo or mastercard....i have neither, i have a maestro debit!

YorkshireBoy

martino17 wrote: »

But if i go for another report wont it go against me?

The fact that you've searched your own file is not seen by other lenders. It's an 'unrecorded enquiry'.

....also it seems u need a solo or mastercard....i have neither, i have a maestro debit!

I've previously ordered my £2 reports using a Maestro card.

If they've now changed the rules, then pay by postal order or one of the other methods they list.

martino17

who did you use your maestro with yorkshireboy?

YorkshireBoy

martino17 wrote: »

who did you use your maestro with yorkshireboy?

Yorkshire Bank, but they've since moved to Mastercard Debit.