Credit Card with poor history and address issues

pmartin86

Ok, ill try to keep this as short as possible, and I apologize if I give too much info.

Basically, my Partner has had a poor credit history, she started her own business around 3-4 years ago which during the first year was reasonably low income, its now earning decent money. She did this while also at university, thus accumulating a reasonable sum of debt, she managed to avoid any CCJs etc and so has no major impacts on her score, but as she started the business in a joint name (her mother backed her initially) shes not been able to glean anything worthwhile on her personal credit score. She also has her personal current account registered to the business address as she was living in various places at various times of year (Student house term time, parents house other time, rented flat near business other times) so, registering to the business address seemed the logical choice (only fixed address).

The time has now come to start repairing her credit score where damage is done and building it up so we can eventually get a mortgage for our own house, she applied for a capital one credit card but was asked for more information to confirm her identity, however, all her documents (driving license etc) are registered to our current address, or her parents address, only the bank account is still in the business address.

Am I right in thinking that until everything (Drivers license, bank accounts etc) are consolidated to one, residential, address, shes not going to get a credit card anywhere? Even her bank (Barclays) where her current account is have told her shes not eligible for a card.

So, apologies for the long post, but whats the best course of action to take for her to get her credit file back on track, we have about 2 years before we're planning to buy, hopefully that will be enough time to get everything ship-shape?

Regards
Paul