Getting a credit report when you dont have a debit or credit card to register with???

Moneydummy_2

Hi i have recently amended all my debts with the help of a loan from my parents, i have now payed everything off in full and owe no money out at all.
now i am debt free i am looking to get my own place again and get started, in the process i thought it a good idea to check my credit report and work on making it better.

The only problem is all the sites require a credit or debit card to register with and i don't have one I called my bank to ask for one and they told me that i didn't pass a credit check to get a debit card current account and advised me to check my credit score with experian.

So i cant get a debit card with my credit rating and i cant check it with out a debit card PLEASE HELP!!!????

Candyapple

You will have to go via the paper route option then and pay either with a postal order or get a family member to write a cheque out for you.

http://www.experian.co.uk/downloads/consumer/Stat-App-Form.pdf
http://www.equifax.co.uk/efx_pdf/CreditReportApplicationForm.pdf

Moneydummy_2

thank you for the advice do you know if it is possible for someone else to pay with their card for me using the online option?

GingerBob_3

Moneydummy wrote: »

thank you for the advice do you know if it is possible for someone else to pay with their card for me using the online option?

I think it might. I remember a thread on here a while ago where someone had done this using another person's card.

PaulW922

It should be ok but if you do not cancel your friend will end up with the bill! I would go down the paper route - it is very quick. You can easily get a Visa or MasterCard from either a prepaid insurer or a bank that offers basic accounts