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My girlfriend lives at home with her parents, doesn’t have any bills to her name, I’ve advised her to get a credit card, her credit rating is good, but Is it still worth it to get a credit card. As we will be looking at getting a house together in the next year or so.
I remember back when I was 18 and got refused a phone contract, even though I was totally clean no debts nothing no bills. Could this happen with a mortgage.
I remember back when I was 18 and got refused a phone contract, even though I was totally clean no debts nothing no bills. Could this happen with a mortgage.
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Replies
Her score is irrelevant, as a typical mortgage lender does not use it and does not see it.
Does she not have a current account? If yes, then she should try applying for a card from her bank.
Is she employed?
If she has no credit history whatsoever, then she would be more likely to make a successful application with a sub-prime lender such as CapitalOne, Aqua or Vanquis.
She needs to make sure she is on the Electoral Register.
I love my job
There was a very similar thread started around this time yesterday https://forums.moneysavingexpert.com/showthread.php?t=6091111
Perhaps rather than us repeating the same things you should take a look at this thread as it may help