declined for loan - tesco, sainsburys, halifax - what can i do ?

masterwebxyz

hello, i`ve got an account with experian - credit expert - with credit score of 857 which is fair - i am on the electorall vote, more than 4 years at this address and i`ve got a mobile phone on contract pay monthly (direct debit) which alaways was payed in time also a landline direct debit with internet from talk talk.i took small payday loans in the past - almost 5 - all of them payd them in time but none of them were shows like SETTLE ACCOUNT in my credit score.i`ve got a provisional driving license and never been into CCj or something like this.

i am self -employed for 5 years working in construction with wages like 1500, 1400 a month payd directly into the bank account Halifax which i`ve got it for 2 years.

the problem is EVERYWHERE I APPLY I GET REFUSED...after i ask them they said its credit score..but i`ve got all the good details for my credit score.i dont know why and the worst i DONT KNOW WHAT SHOULD I DO TO IMPROVE THE CREDIT SCORE.

i`ve got a public liability insurance of 5 mil pounds - because i`ve just opened a stall and i am a market trader and now i need urgently a loan of 1 thousand or 2.

I DONT KNOW WHERE TO APPLY , OR WHAT SHOULD I DO TO INCREASE THE CREDIT SCORE OR THE CHANCES TO GET ACCEPTED.I KNOW MANY APPLICATIONS LOWER THE CREDIT SCORE.I`VE DONE ONLY 3...

IF YOU HAVE ANY SOLUTIONS PLEASE SORT ME OUT !

CHEERS
HAPPY NEW YEAR !

BugsyBrowne

Its pretty obvious why you've been turned down and the reason being you only have a provisional driving license most lenders require full license incase they need to see you ASAP!!!

masterwebxyz

But the provisional driving license has a picture as well and a address ...even i do apply for any credit card i still get declined.

meer53

Self employed and payday loans. Both ring alarm bells to a lender.

Stop applying and save up would be my advice.

masterwebxyz

i need a loan fast up to 2.000 any chance to get it ?

masterwebxyz

any other lenders for small amount ?

masterwebxyz

it must be a solution for everybody like PITAGORA said - any problem has at least 2 solutions !

BugsyBrowne

masterwebxyz wrote: »

But the provisional driving license has a picture as well and a address ...even i do apply for any credit card i still get declined.

Sorry mate I'm on a wind up about the license.

BugsyBrowne

No credit history is the culprit.

masterwebxyz

yeah but how i can make a credit history if nobody lends me ? i cant take a loan not even 1.000 so i cant improve...its vicious circle...

i need to eat but i dont have the bread...and the shop its closed...ABSURD

BugsyBrowne

masterwebxyz wrote: »

yeah but how i can make a credit history if nobody lends me ? i cant take a loan not even 1.000 so i cant improve...its vicious circle...

i need to eat but i dont have the bread...and the shop its closed...ABSURD

I'm sure one of your neighbours has some left over turkey.