20 Years old and refused credit help!?

ralph234

Guys again thank you so much when I find the thanks button I shall click on it

Basically I have had a few family troubles and just needed the extra money to support my family.

If I pay of my loans and live on the cash I have and overtime pay off my overdraft will that improve my credit rating? Or is it best to get a credit card etc. As if i just ignore all terms of credit for the future surely that will improve it no?

Ralph

redpete

Two loans and an overdraft for a 20-yr old with only seasonal work (I think that's what you implied) is no basis for someone offering you more money.

You need a period of stable income and evidence that you aren't continually living beyond your means - I don't know what the period might be.

You need to concentrate on getting a decent permanent job before worrying about how to borrow more money.