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New in the UK and need advise
Krisko
Posts: 61 Forumite
Hi,
I relocated from Norway to the UK in the beginning of May. Left Norway with a good credit score and £14 000 in available credit (Most of it from American Express). Never carried a balance or been late on a payment on any of my cards...
I was hoping I could just transfer my norwegian Amex Platinum to the UK, as this is the card I use the most. Unfortunately the Amex franchise in Norway and Amex UK don't talk to each other so I believe I just have to start from scratch.
I got some credit reports today
Equifax
Score 197 (very poor)
It shows my Barclays current account, but not my EE phone plan
Annualcreditreport.co.uk
Score: 649
This shows my Barclays account and my EE plan
It also shows British gas, but says it's "under review"
As I'm not a EU-citizen I am not able to get on the electoral roll - does this hurt my score alot?
I should recieve a report from Experian soon, but it will probably say the same.
Where should I go from here? Aqua is sending me an application in the mail, and hopefully they will approve me for a £100 limit or something..
Even if I get an aqua card approved, should I get a Mycashplus card?
Hopefully it dosen't take to long before I can get a Amex Platinum and a good reward visa/mastercard again, but it will probably take some time.
Thank you for your help.
All the best,
Kristian
I relocated from Norway to the UK in the beginning of May. Left Norway with a good credit score and £14 000 in available credit (Most of it from American Express). Never carried a balance or been late on a payment on any of my cards...
I was hoping I could just transfer my norwegian Amex Platinum to the UK, as this is the card I use the most. Unfortunately the Amex franchise in Norway and Amex UK don't talk to each other so I believe I just have to start from scratch.
I got some credit reports today
Equifax
Score 197 (very poor)
It shows my Barclays current account, but not my EE phone plan
Annualcreditreport.co.uk
Score: 649
This shows my Barclays account and my EE plan
It also shows British gas, but says it's "under review"
As I'm not a EU-citizen I am not able to get on the electoral roll - does this hurt my score alot?
I should recieve a report from Experian soon, but it will probably say the same.
Where should I go from here? Aqua is sending me an application in the mail, and hopefully they will approve me for a £100 limit or something..
Even if I get an aqua card approved, should I get a Mycashplus card?
Hopefully it dosen't take to long before I can get a Amex Platinum and a good reward visa/mastercard again, but it will probably take some time.
Thank you for your help.
All the best,
Kristian
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