A little relief! Now what?

LolStevo

I started working at a bank when I turned 17, as soon as I turned 18 I was eligible for all kinds! So I got credit card loan overdraft and maxed the lot as well as a couple of phone contracts and catalogues!

I was in a bad mess! I'm now 28 and havnt had credit for a while simply because I couldn't get anything without an extortionate rate, if I want something I save for it!

Anyway iv just checked noddle and I'm down to 1 default of £533 from a mobile phone bill which defaulted in 2009, as well as a darned CCJ I got when student loan company withdrew my tuition fees without me knowing until the CCJ arrived! Anyway I'm paying that off £50 a month and it's currently at £4000 (il up this to £100 a month once oh starts his job next month)

Anyway was credit score is still 1/5 I can't get anything I wanted a credit building credit card or phone bill but get rejected!

Is this because of my CCJ? Does noddle show everything? x

Tryingtomoveout

Hi

Have you tried applying for the Barclaycard initial credit card?

[Deleted User]

LolStevo wrote: »

Does noddle show everything? x

Noddle (and all the CRAs) only show what is reported to them. Suggest you check all three.

LolStevo

Tryingtomoveout wrote: »

Hi

Have you tried applying for the Barclaycard initial credit card?

Yeah I'm a Barclays customer too got no overdraft I think iv got the basic bank account!

I tried applying for one of the vanquis cards just as a starting thing and that was refused too!

I don't know if it's to do with electoral roll? Iv been in this house since May 2013 however electoral roll says Feb 2014, I have phoned the council and asked them to send me proof of residency but not had anything x

Tryingtomoveout

If you bank with barclays, would it be worth ringing them up and asking why you were refused for a CC?

You've probably already read this, but if you haven't then this might be worth a read:
http://www.moneysavingexpert.com/credit-cards/bad-credit-credit-cards

I think you would need to get some small credit of some type, as you need to build your credit worthiness...

I wish you luck

Thrugelmir

LolStevo wrote: »

Anyway was credit score is still 1/5 I can't get anything I wanted a credit building credit card or phone bill but get rejected!

With a CCJ that you are paying off in instalments. Hardly surprising that you are struggling to obtain further credit. Not that this will improve your credit rating at the current time even if you did.

LolStevo

Ahh didn't realise they were that bad! My brother is so bad with money he's had a house and a car repossessed yet was able to get a catalogue and credit card!