help. i can not even get a provident loan or a normal bank card.

dancharnley

hey am a 22 year old guy working full time and havnt stopped working since 15. i do not have credit card or loans etc. but times have become hard and i needed money for my car and i applied for a loan and got rejected. i have since applied for other forms of money and everyone says no, banks, credit card companies, provident even said no. capital one even said no. banks wont even open up a normal bank card for me. i had fraud in my name last year and since then i can not get anything what so ever. any help or answers as to why

Better_Off_1983

Check your credit file.

Applying for different types of credit could have a negative effect on your credit rating also, it looks like you are trying to take out too much credit and over commit yourself.

dancharnley

i have and it was ok untill i have fraud in my name and since then its messed it up. i can not even open up a bank account to put my wages in!. so i guess there is nothing i can do?

DevCoder

Check your credit reports for CIFAS markers/comments.

CLAPTON

what sort of fraud?

DCFC79

So where has your wages been paid into all these years ?

Malky

dancharnley wrote: »

times have become hard............and i applied for a loan

Be thankful you got refused. If times have become hard, the last thing you should be doing is getting a bank loan. How would you plan to pay back a loan if things are already tight?
As mentioned in the first post, what does you're credit file look like? You need to take some time out to resolve the issues you are having as they won't fix themselves.

JuicyJesus

dancharnley wrote: »

i have and it was ok untill i have fraud in my name and since then its messed it up. i can not even open up a bank account to put my wages in!. so i guess there is nothing i can do?

Oh dear.

If you have committed fraud, you will be excluded from every financial product going because nobody will want to touch you with a ten-foot bargepole. If you haven't, but someone else has stolen your identity, there are ways to repair this.

From what you're saying, it's the former. What happened?