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Income too low to get approved for anything?
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I recently moved here to my new place 6 months ago, but the credit file has all my details of my old address, which I was at for four years. My bank account is with Halifax.
Have you updated the ER or just the bank with the new address?I’m a Forum Ambassador and I support the Forum Team on the Budgeting & Bank Accounts, Credit Cards, Credit File & Ratings and Energy boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
If you can't be the best -
Just be better than you were yesterday.0 -
Your screenshot says you are not on the ER.
This ^^^
I would say, get on the ER, stop applying for credit for the moment. You look credit hungry to lenders.
What is the credit account you have recently opened?
Agree ^^^
Not being on the electoral role is a MASSIVE off-put for anyone lending money or giving credit. If you are not registered there, are you actually living there? :huh: (This is what they may think...) I mean, you are not registered there, and you are not a homeowner, just renting... not very secure in their eyes. (No offence intended by me saying 'just renting' BTW, nothing wrong with that, but it suggests (to some) that you could run off a bit easier than if you owned it.
Also, your salary is very low, (no offence!) and I'm sorry, but if I was looking at your I & E, I would find it hard to believe that you only spend £50 a month on food. I would put at least £100 if I were you, and get yourself on that electoral role!
And as has been said, You've opened a new credit account in the last 6 months & made 3 applications.My rent is all inclusive, and I only buy clothes when I need to.
Never missed any payments on anything, never been in any debt. I recently moved here to my new place 6 months ago, but the credit file has all my details of my old address, which I was at for four years. My bank account is with Halifax.
One of my jobs I have had for a year and a half, the other for 7 months
I agree with dobbi, get on the electoral and stop applying for credit for 6 months If you have £300 surplus income you shouldn't need it anyway, but as for the contract phone, there should be some places that can offer very good PAYG deals that don't depend on credit too much.Proud to have lost over 3 stone (45 pounds,) in the past year! :j Now a size 14!
You're not singing anymore........ You're not singing any-more!
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