No credit history

NikkiCook

When I was 18 I applied for and got a credit card, always paid my bills and never got behind on payments, I also had an overdraft and a mobile phone contract. I then got rid of all debt I had and have been that way for about 6 years (not even an overdraft).

I am now in a situation in my 30s where I cannot get ANY credit whatsoever. I have over the years been an on/off member of Experian and everything is up to date and there are apparently no anomalies. Last November I applied for a mobile phone contract of £15 per month only to be refused, I had to pay £100 deposit for the phone before they would allow me an account.

Now I have just tried to apply for the Aqua credit card (supposedly for people with little or bad credit) only to be refused AGAIN! Although we rent, my husband and I (who has had no problem obtaining credit) earn about £70k gross between us. I am at a loss now of who to speak to or what to do about this situation as when I review my credit score on Experian it is 'excellent'. Does anyone have any advice about how to solve this?

RichL74

There must be something. Why don't you apply online and pay £2 to Equifax to see if they have something that Experian doesn't show?

Or maye you are like me and there is not enough credit 'history' on you so you seem to a lender like you havent existed for 6 years? Are you on the electoral register for example?

I applied today to Nationwide for a card and while online it was all accepted, I am still not getting my hopes up.

Don't go basing anything on a score, it is nothing a bank or credit card company will use or ever see.

jonesMUFCforever

Where do you bank - the place where your salary goes into?
If your credit score is as white as you say they will bite your hand off when you apply for a credit card.