Best way to build credit when you cant get it?

PM1090

Recently I took out payday loans, changed bank account and my DDs werent moved over as promised so I missed payments and my score has dropped from low to very low.

I cant get a card like a vanquis card my score is that bad...

Whats the best way for me to start building it besides paying off the loans i have? Are the credit builder cards worthwhile?

Getting a guarantor on a credit card and using it to spend little and pay each month a bad idea if i would only use it for petrol and always pay it?

Or theres credit builder loans... not sure which option is best and quickest. I need my score up fast

John_Jones

Have you paid your loans off yet? If you do not do that then anything else you do is not going to be of much use.

[Deleted User]

It's not your fictional score which is the problem. It's your missed payments and PDLs.

Pay them off and then in time, get a sub prime card. Use it and clear in full each month.

Ben8282

PM1090 wrote: »

Getting a guarantor on a credit card

Never heard of this before.