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Can't get accepted for a credit card to boost my credit file
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Legacy_user
Posts: 0 Newbie
I have applied through a various amount of credit card companies to help me boost my credit rating, but they've declined my applications. What are my other options to improve my credit rating instead?
I have a mobile phone contract which am paying off, but that's about it. I'm also on the electrol roll.
I have a mobile phone contract which am paying off, but that's about it. I'm also on the electrol roll.
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Well multiple declines for credit cards on your credit history aren't doing you any favoursEx forum ambassador
Long term forum member0 -
Stop applying, for now. All those searches won't help. Give it at least 6 months before you try applying again. Preferably a year, as that's when the searches will disappear from your credit files.
What you need to be doing is looking at your credit files for reasons as to why you might getting declined. And you'll need to check the 3 main credit reference agencies: Experian, Equifax, CallCredit.
Fortunately, you can get these for free:
Experian: http://www.moneysavingexpert.com/creditclub
Equifax: https://www.clearscore.com/
Callcredit: https://www.noddle.co.uk/
Go through all of those and check for adverse data (i.e. defaults, late payments, no electoral register, cash advances).
It's important to remember that, without a credit history, you're extremely unlikely to get the best cards. So, if you're applying for 0% for 28 months, or things like that, stop. You won't get those to begin with.
If all seems good, then you'll need to get a credit builder card or speak to your bank about getting a card. From there begin to build a credit history.0 -
Agree with the advice above. Stop applying for at least 6 months. Then before you apply again, use a credit card eligibility checker (the one here on MSE is good) to see which cards you are most likely to be accepted for. Apply for one of those.2.88 kWp System, SE Facing, 30 Degree Pitch, 12 x 240W Conergy Panels, Samil Solar River Inverter, Havant, Hampshire. Installed July 2012, acquired by me on purchase of house in August 20170
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