Boosting Credit Rating

kelk

This has probably asked numerous times. My credit rating is well basically rubbish, I am trying to get it better but struggling to get credit ANYWHERE! I expect the high APR etc etc.


Any help or ideas would be great. Thank You

suicidebob

Why do you need credit?

kelk

We only have 1 main income which is mine and wanted a credit card to help with christmas and a few house improvements etc

Fruit_and_Nut_Case

kelk wrote: »

This has probably asked numerous times. My credit rating is well basically rubbish, I am trying to get it better but struggling to get credit ANYWHERE! I expect the high APR etc etc.


Any help or ideas would be great. Thank You

By "credit rating" are you referring to one of the numbers that the various agencies sell you?

suicidebob

kelk wrote: »

We only have 1 main income which is mine and wanted a credit card to help with christmas and a few house improvements etc

How are you going to pay the credit card?

kelk

I have checked my credit reports on experian etc. there is a but surplus each week to pay on the card

suicidebob

kelk wrote: »

I have checked my credit reports on experian etc. there is a but surplus each week to pay on the card

Your credit rating only really gets better when you pay your debts on time.

Fruit_and_Nut_Case

kelk wrote: »

I have checked my credit reports on experian etc. there is a but surplus each week to pay on the card

OK. Experian, etc. base their number on incomplete information. They don't know your salary, for instance. They provide potential lenders with a report, not a number. The lenders then use this information to come to their own decision.

Try using one of the soft search facilities. They're not guaranteed to be accurate but may give you a feel for your situation.

kelk

Soft search?