Credit Score & Dormant Credit Card

[Deleted User]

hdr said:

yksi said:

You're in the "very poor" category you said, and while this rating isn't what matters, it's a broad indicator that something(s) in your credit history make you a very poor candidate for most lenders. What is in your credit history which is causing both your rejections and this "very poor"? Lots of home moves, lack of mobile phone contract, lack of electoral roll, lack of any other successfully repaid agreements or debts? Missed repayments, defaults, CCJs? Nothing will fix the last three except time and good behaviour, but the first lot demonstrate stability to a lender.

You have no savings, so if I were you I would stop thinking that you "missed out" on a home earlier this year - you were in no way ready to buy it. You mentioned having paid off some debts which is great, so now it's time to save your pennies, keep on top of all your bills, and time will do the rest.

 Hopefully that should help with my score and what the lenders see (that I am responsible with money)?!

It'll give lenders more data to view, but will do nothing positive for your score.  But as already advised, that's fine.