Unable to get any credit cards (bad credit)

BobQ

Do you live with anyone who has a poor credit history?

john1002

Living with someone unless they have the same name will have no impact unless you have a joint product with them and a financial link has been made. If capital one said yes and then later declined this would suggest a fraud or similar flag from one of the data checkers like Hunter or Cifas.

Did you apply for anything before capital one?

I would suggest letting us know what the letter said formally declining you or if you have not had that write to capital one complaining and ask for the reason and then let us know so we can advise further.

I would hold off applying until you know the reason however vague from cap one.

John

PeacefulWaters

Have you tried the likes of Vanquis or Aqua?

PeacefulWaters

john1002 wrote: »

Living with someone unless they have the same name will have no impact

Their name doesn't matter at all.

If capital one said yes and then later declined this would suggest a fraud or similar flag from one of the data checkers like Hunter or cifas

Or it could mean their automated processes are bobbins.

Dandytf

Try mycashpluscredit card not the pre paid one.
my1stcard during dmp
high apr +40% though you could build up your rating by spending on the card and paying in full each month-like 0 interest.
think theres a 10.00 yearly fee.
Ive had 1 since 2013 used forr online supermarket shopping/home delivery
only 250 limitt though 0 increases.

Sounds like you have to borrow small to re build your rating (dont concern yourself with the score)

Avoid lots of applications-if Cap1 said no then avoid aqua etc for some time-I only got my 2 aqua cards last year and a few weeks ago.

Zahari13

Its just one of those things "credit score" messes you up. I wish companies didnt use the score as a definitive reason for declining applications

[Deleted User]

No one uses the score to decline you.

No one apart from you even sees it.

Dobbibill

They don't decline applications because of the 'credit score' but they may refer you back to your 'credit report'.

This is why you should check every entry thoroughly, not just the default you have mentioned.

DCFC79

Zahari13 wrote: »

Its just one of those things "credit score" messes you up. I wish companies didnt use the score as a definitive reason for declining applications

Who or where have you read the score is used ?

Lenders dont have to lend to anyone.

dresdendave

Zahari13 wrote: »

I wish companies didnt use the score as a definitive reason for declining applications

It's your lucky day, consider your wish granted.