Help increasing credit rating

Phyzelda

I've never been refused credit until now.

My ex has destroyed my credit rating as he wasnt paying the mortgage. I don't need a bashing over I should have paid it, I was living with my parents on SMP so had no way of affording it. I'm after advise and help only please!

House has sold and I want to get my ratings back so eventually I can get my own place again.

Thanks in advance

MallyGirl

Check each of the 3 CRAs and make sure you are no longer financially associated with your ex.
From now on make sure everything is paid on time, pay off credit cards in full once the statement is issued. It will get better

Phyzelda

I don't have any credit cards
Never late paying

I've removed myself from the joint account. Only joint thing we had that I'm aware of was the mortgage

MallyGirl

That is good - definitely worth checking that the association is gone too. It might take a month or two.
You need to build up some good history to demonstrate good behaviour- phone contract, credit card, that sort of thing.

Phyzelda

I tried getting a credit card from my bank to help show I repay on time. Was just going to use it for diesel. But my bank said no

How can I check if theirs any other associations?

Thanks for your help

[Deleted User]

Look in the Financial Associations sections?

DCFC79

Its your history your improving, only you can see your see your rating, lenders see your history.

MallyGirl

Check your reports for free via MSE Credit Club, Noddle and Equifax.

Craig1981

as per comment #2, check the credit report agencies, which are free at MSE Credit Club, Noddle, Clearscore
with each of these, there is a section you click on

Noddle = "connections and other names"
ClearScore = "Financial Connections"
Moneyclub = "Financial Associations"

SlovakianGuy

These are not credit reference agencies (CRA), just websites that show your credit report provided by CRAs.

The three major CRAs in the UK are Experian, Equifax and TransUnion (CallCredit).


MSE CreditClub shows your credit report from Experian
ClearScore from Equifax
and Noddle from TransUnion

Willing2Learn

Phyzelda wrote: »

I tried getting a credit card from my bank to help show I repay on time. Was just going to use it for diesel. But my bank said no

Have you tried applying for a sub-prime card, for credit-building purposes?... Something like Aqua or CapitalOne. Maybe even a Tesco Foundation card could be good to go with...