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Credit rating please help
Franze
Posts: 2 Newbie
in Credit cards
Hello,
I just applied for the Tesco 22% balance transfer and was rejected. I owe £6,200 between two credit cards and my overdraft. I earn £37,000 a year and I pay £700 in rent and approx £100 in bills a month.
I just tried to check my credit rating with Equinox as this website suggests but I haven't received anything but I've paid the £8.00 for the 'free' trial I need to cancel.
Please help. I desperately want to get out of debt and stop paying interest.
I think I may have defaulted in missing two credit card payments this year. I have recently moved in the past two months but didn't use my new address as none of my cards are registered there (nothing connects me to my new address) and I'm on the electoral role at my old address. I haven't changed address as I was aware too many address changes can impact credit ratings.
How can I fix this or am I stuck with this until I pay it all off?
Please help with some clear advice.
Thank you.
I just applied for the Tesco 22% balance transfer and was rejected. I owe £6,200 between two credit cards and my overdraft. I earn £37,000 a year and I pay £700 in rent and approx £100 in bills a month.
I just tried to check my credit rating with Equinox as this website suggests but I haven't received anything but I've paid the £8.00 for the 'free' trial I need to cancel.
Please help. I desperately want to get out of debt and stop paying interest.
I think I may have defaulted in missing two credit card payments this year. I have recently moved in the past two months but didn't use my new address as none of my cards are registered there (nothing connects me to my new address) and I'm on the electoral role at my old address. I haven't changed address as I was aware too many address changes can impact credit ratings.
How can I fix this or am I stuck with this until I pay it all off?
Please help with some clear advice.
Thank you.
0
Comments
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If you registered with Equifax did you not set up a username and password?0
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Yes, but when I go to my 'page' it doesn't show anything. My main concern is paying off my debt. I get paid enough to pay it off within the 22 months. I'm worried this rejection will make my credit worse. I don't know what to do, do I approach my current bank for a loan at a lower interest rate? I've got myself, in a stupid situation but I want to get out if it but not sure what the best way to do so is. Thanks for any advice offered.0
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Hello,
I just tried to check my credit rating with Equinox as this website suggests but I haven't received anything but I've paid the £8.00 for the 'free' trial I need to cancel.
I used to go clubbing there, great discotheque. Didn't know they started supplying credit ratings now. Talk about diversifying.
Just kidding!:rotfl:0 -
On the application you would have needed to give address history so there's no running away from your past. Sort your electoral roll out, tell the credit card companies (and bank etc) of your change of address, then wait 6 months and apply for another 0% deal.
Assuming you're not a troll that is. (22%? Equinox? 37k?)0
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