Help! The littlest Hobo keeps being rejected!

Researcher_2

Hi,

I'd appreciate any help someone might be able to give.

I was happily credit card tarting but the last time I tried (around a year ago) I was rejected. I'm freelance and work all over the country so I often take short term lets (six months say) job by job - therefore I'd moved a lot. I think this may have been the reason looking at my credit report.

So, I tried to sort it. I registered everything to the closest I have to a permenant address (my parents) and did some other house keeping (like getting rid of an unused credit card, getting on the electoral role). I'm about to try again (as the intrest on my credit card is HUGE!) but I'm worried. I didn't change my current account address as my ex-partner still lives there and I visit regularlly. I also pay for the internet (through Virgin) at another address which belongs to a friend. I stay their regualrlly when working for their city and pay for the net as a) I use it a lot when Im there and need it for work and b) to say thanks.

So - with these two differing addresses on my report - will I be rejected again?? And if so, what can I do??? I need to change credit cards or Im never going to pay of the debt.

Please help! I never thought moving house was a crime but it seems in the eyes of lenders it is.

xxXx

dylansmum

Hi

I'm bumping this for wisier people to hopefully answer BUT

You need to be on the electoral role at one address and match all your credit card adddressed to this - but that might not be the reason. It could be too many active accounts? It could be that the cc companies feel you're not profitable enough if you keep tarting?

bargainbetty

Have you closed all the old accounts properly? If you have lots of 'available credit' then they will refuse. Dylansmum is right, you should try to get everything registered at one location. Putting a second address on a joint account is nothing bizarre, and simply transfer the net account to your friends name, but continue paying it - no sweat.

Another option is to call the provider of any old account you may have and ask them what deal they would offer you now. I switch back and forth between Egg and whoever, and Egg always offer existing customers a deal. I have 0%with Egg now, will switch to Halifax One in October, and then call Egg on the 6th of each month to find out what the deal is - often 1.9 or 2.9% for 8 months......

If you can't get a new one, try to utilise and old one, or even talk to them about reopening an old one, with a deal. But do tidy up your affairs-it will improve matters.

Good luck x