Poor Credit File

REDDDRAGGON

I'm looking at getting a 0% purchases card to fund some travelling next year, so I've been having a look at my credit files.

I'm trying to work out why my credit rating/file is "poor", I know the number generated is relatively meaningless, but the impression I get from the score and checking the credit card eligibility checker on here, that my credit file is really poor.

However I can't fathom why that would be. No missed payments, no defaults, no CCJs, pay credit card off in full/nearly full each month etc. Nothing that looks bad to me.

I haven't had a massive history of taking out loans. About 4 years ago I had an interest free credit thing with Jessops which all got paid


The only things that might be an issue are:
-Some credit card cash advances in 2012 (I was abroad, and didn't realise I was doing something "bad")
-Electoral register, I'm a recent student, so I've been registered at my parents
-My bank account is a "student account", soon to be going onto the graduate account

I've recently been offered a mortgage, so it can't be that bad surely? I'm just worried that the eligibility checker on MSE is basically saying I can only get one of the credit cards with around 40% APR!

[Deleted User]

Electoral role is probably the main thing, plus a slightly limited history.

But as you know, the score is irrelevant.

Tixy

The eligibility checker on MSE is based on a search of your callcredit (noddle) credit file.

Have you checked that file and do some of your current/past accounts show on it?
Does it show you as being on the E/r but at a different address to your current address? or does it not show you on the e/r at all?

Are you still a student? or are you now employed/earning?

REDDDRAGGON

Tixy wrote: »

The eligibility checker on MSE is based on a search of your callcredit (noddle) credit file.

Have you checked that file and do some of your current/past accounts show on it?
Does it show you as being on the E/r but at a different address to your current address? or does it not show you on the e/r at all

All my bank account show. Everything seems to be right. According to Noddle I'm on the electoral roll at my current address, but only from February this year, even though I registered with the council last year.

Tixy wrote: »

Are you still a student? or are you now employed/earning?

Both! I'm a PhD student writing up, after a full time course, but I have a proper full time job now, which I have had for 10 months.

DCFC79

It takes time for you to be registered at an address hence the delay from when you registered at the address and when its changed.

REDDDRAGGON

I've just realised that I have two other current accounts with different banks, both are slightly in credit (couple of £s), however they are under my old address.

Do these incorrectly addressed current accounts cause an issue?