We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
When will I be able to get credit again?
maver1nk
Posts: 18 Forumite
in Credit cards
Hi!
I recently lived at an address for which I didn't register on the electoral register. I lived at this address for 3 months, June 2011 to September 2011. I have now lived at my current address since then (11 months) and am on the (new) electoral register.
Unfortunately, despite having a perfect credit rating, in terms of having paid every payment on all my previous credit cards over the last 12 years (I haven't ever missed a payment or gone over any limits and have no debt), I cannot apply for any new decent credit 0% cards.
Can someone tell me when I will be credit worthy again?
I recently lived at an address for which I didn't register on the electoral register. I lived at this address for 3 months, June 2011 to September 2011. I have now lived at my current address since then (11 months) and am on the (new) electoral register.
Unfortunately, despite having a perfect credit rating, in terms of having paid every payment on all my previous credit cards over the last 12 years (I haven't ever missed a payment or gone over any limits and have no debt), I cannot apply for any new decent credit 0% cards.
Can someone tell me when I will be credit worthy again?
0
Comments
-
I suspect there is more to it than the 3 month electrol issue.
Who have you asked for money? What do you earn? What is your current level of debt? What do you do for a living? Your empoyment history? Your address history over the last 3+ years?
Just some of the other aspects they will be looking at
Some of the0 -
How many live credit accounts do you haveDon't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.4K Banking & Borrowing
- 253.7K Reduce Debt & Boost Income
- 454.4K Spending & Discounts
- 245.5K Work, Benefits & Business
- 601.3K Mortgages, Homes & Bills
- 177.6K Life & Family
- 259.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards