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Stumped.. Need Advice
kelk
Posts: 32 Forumite
Hi,
I'm 30 and my credit score is literally 0. I had a IVA which finished May 2015.
I am in the process of saving to get my own house but I want to build my credit profile to help with getting a mortgage.
With my NIL score I cant get even the simplest of credit cards to help me build it.
Any advice will help!
Thank You
I'm 30 and my credit score is literally 0. I had a IVA which finished May 2015.
I am in the process of saving to get my own house but I want to build my credit profile to help with getting a mortgage.
With my NIL score I cant get even the simplest of credit cards to help me build it.
Any advice will help!
Thank You
0
Comments
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Firstly you don't have a credit score - only your credit history. The scores are something which are sold by credit reference agencies and are just marketing gimmicks.
Are you on the electoral roll?
Obtain copies of your credit report from Noddle (Call Credit) and ClearScore (Equifax) for free and see what shows.
Are your bank accounts/mobile phone accounts/credit cards etc. showing?I'm a Board Guide on the Credit Cards, Loans, Credit Files & Ratings boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com0 -
I will look at clearscore and get my report, Yes I am and my phone is pay as you go and I don't have a credit card and only a current and savings account0
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What should I be looking for on the reports?0
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Is your bank account showing?
Is it showing that you are on the electoral roll?
Any thing else showing?I'm a Board Guide on the Credit Cards, Loans, Credit Files & Ratings boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com0
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