Is my credit history bad?

Bongos

I got a letter this morning from Capital One offering me a credit card tailored for those with bad credit. What's worrying me is that I wasn't aware I had a bad credit history. I'm 22, had a couple of cards in my time...2 right now (RBS & Natwest Yourpoints), which I've never missed payments on. I had a previous card that I canceled, but I'd never missed a payment on it, just didn't want a card at the time........is this all just marketing? I don't really wanna pay to find out my score, because I've had no reason to think it's bad, other than this letter.

I've had to get a few reissued over the years due to loss/theft etc, surely that doesn't play in to it?

My RBS yourpoints is pretty much maxed out and I'm just paying the minimum, but because of an offer, I have until October next year before any interest or anything.

Put my mind at ease lol

mush1989

Try Noddle for your credit report this is a free servie

Bongos

Just signed up to the experian trial...all seems well; was worrying about nothing.

money_maker_2

I wouldn't worry to much about it. As long as you always pay at least the minimum each month and never late/miss a payment then you should be fine.

BugsyBrowne

money_maker wrote: »

I wouldn't worry to much about it. As long as you always pay at least the minimum each month and never late/miss a payment then you should be fine.

Unfortuantly credit scoring involves a lot more then just making payments on time.

Available credit:
Total credit used:
Total debt to salary:
Opening of new accounts:
Credit searches:
Credit card/loan stability:
Bank stability:
Age:
Homeowner:
Dependants:
Full time/part time/self employed.

blitzboy

Bongos wrote: »

Just signed up to the experian trial...all seems well; was worrying about nothing.

Remember to phone up and cancel it before they start charging their ridiculous fees!