refused credit but i want to buy anyway?

fattymcskinny

i applied for credit at the brilliant gift shop it was refused but i still want to order something. would i eventually gain credit? has anyone ever had this problem?

forgotmyname

Depends on your credit file information. Are you credit worthy?

How much credit do you have? If any?

Are you registered in the electoral roll?

If you have credit and add up all the max figures on the cards/loans etc. How much of a percentage is that of your income?

Generally after being refused credit its probably best to leave it 6 months before applying for anything else.

Did they do a full credit search?

sirwiggum

Either sign up for Noddle for free, or for a month's Experian trial, and see what state your credit is in, that you don't have any rogue accounts that are in default, you are on the electoral roll etc.

savers99

hi i just have been refused a cc and a loan i checked my credit score and has no errors im a homeowner not sure what my next step could be....... all help welcome

Thrugelmir

savers99 wrote: »

hi i just have been refused a cc and a loan i checked my credit score and has no errors im a homeowner not sure what my next step could be....... all help welcome

What matters is what is already on the report. Unlikely to be errors.