Trouble building credit

5ofthem

Hi, I'm 32 and once had very good credit, I had issues in my life and things went downhill and I started to bury my head in the sand and unfortunately debt built up. I have since sorted my life and have repayed/in process of repaying the creditors. I would like to rebuild my credit just so I will have something to fall back on in emergencies etc but I've been looking at eligibility checkers and they all say no, even for a rebuilding credit card! Will I ever be able to get credit again? Is it just a waiting game whist I repay and it will gradually get better? I know it has ever so slightly got better as a credit report company told me as there was no new activity etc. Can anyone advise? It's been around 3 years since I've sorted things out. Thanks.

Willing2Learn

Have you tried an eligibility checker for one of the sub-prime credit cards? (Such as CapitalOne, Aqua or Vanquis)

Edit: And welcome to the forum

[Deleted User]

Yes, you'll be able to get credit again.

Try for a sub prime card every couple of months. Make sure you're on the ER. Check you three files for any negatives that still need fixing.

Time will do the rest.

yksi

Definitely check through your reports with a fine-tooth comb to see that all the addresses match and are up to date, and that you're on the electoral roll. I am surprised that subprime cards are saying no, which is why I suspect something in that report is not up-to-date. But if they are, it's just a waiting game - throw every penny that you can at those debts and be patient. You'll get there.