Why do I have a bad credit score?

101hassle

My credit score won't even permit me to get a mobile contract. I'm miffed. Currently I do have a contract with vodafone that I've had since february but can't get a new one..

Here's what I've done in my life of 24 years so far:

Had an unsecured loan of £6000 which has been paid down to its last £300.

Owned a mobile contract since February 2012.

An overdraft at my bank of £1250.

BUT STILL.. My credit history is so bad i can't even get a mobile contract.

Any experts know why? (also please move this thread if it's in wrong section, thanks).

BugsyBrowne

You wouldn't know your credit score as its private only to a lender when they score your application.

exel1966

101hassle wrote: »

My credit score won't even permit me to get a mobile contract. I'm miffed. Currently I do have a contract with vodafone that I've had since february but can't get a new one..

Here's what I've done in my life of 24 years so far:

Had an unsecured loan of £6000 which has been paid down to its last £300.

Owned a mobile contract since February 2012.

An overdraft at my bank of £1250.

BUT STILL.. My credit history is so bad i can't even get a mobile contract.

Any experts know why? (also please move this thread if it's in wrong section, thanks).

I'd take a look at all your other posts. You'll find the answer very quickly !

chris-j

You should request your credit report from the 3 main companies, Experian, Eqiuifax and Call Credit(or Noddle) and see what accounts they have listed.

After seeing above post, good explanation.