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Credit help - Getting extremely frustrated!
MascoloStatusCorp
Posts: 22 Forumite
Hi all. I have a few issues which I cannot seem to work out and I can't seem to find any expert help out there who can advise me...
Last July I applied and got accepted for a Barclays credit card. I think my issues stem from here. Basically, I opened and closed the account before I even sent off the signed agreement. For some reason they still sent me the card and opened the account. I closed it so quickly (regrettably now), because their service was absurdly bad. I couldn't get hold of customer service for hours on end even after going into a branch. Anyway, so about 2/3 months after this - I applied for Natwest credit card. I have been with Natwest since I was 16 in 2009 so I thought it would be ok but they declined me and my credit rating took a hit.
I am a surveyor on 28,000 per annum, no missed payments and all credit scores from experian, transunion and equifax give me either a good or excellent. I pay my rent, utility bills, insurance and phone every month on time. I am in the process of buying a house with my partner and I want to make sure we will get the mortgage. I have a student loan of which I pay back every month automatically. The other thing is that I recently moved address and apparently didn't change my electoral roll, which I have now done and I hope it helps me.
What concerns me is, as a test I use the MSE credit card checker, of which only requires basic info about me and they all say INELLIGBLE FOR THIS CARD. It is so frustrating. I have nothing on my credit reports to suggest there is some reason I fail. Only weird thing is on transunion it has a green circle and some have letters "UC" in but I read and this shouldn't be an issue.
Does anyone have any advice for me? I have tried everything, I can't even build a history because they won't give me a credit builder card. Is it because I applied for 2 credit cards in quick sucession? The natwest one was back in October so why would a random conmparison website tell me I have no chance of getting even a 39 percent interest credit card? What chance have I got at getting my mortgage?
Sorry for the long post.
Last July I applied and got accepted for a Barclays credit card. I think my issues stem from here. Basically, I opened and closed the account before I even sent off the signed agreement. For some reason they still sent me the card and opened the account. I closed it so quickly (regrettably now), because their service was absurdly bad. I couldn't get hold of customer service for hours on end even after going into a branch. Anyway, so about 2/3 months after this - I applied for Natwest credit card. I have been with Natwest since I was 16 in 2009 so I thought it would be ok but they declined me and my credit rating took a hit.
I am a surveyor on 28,000 per annum, no missed payments and all credit scores from experian, transunion and equifax give me either a good or excellent. I pay my rent, utility bills, insurance and phone every month on time. I am in the process of buying a house with my partner and I want to make sure we will get the mortgage. I have a student loan of which I pay back every month automatically. The other thing is that I recently moved address and apparently didn't change my electoral roll, which I have now done and I hope it helps me.
What concerns me is, as a test I use the MSE credit card checker, of which only requires basic info about me and they all say INELLIGBLE FOR THIS CARD. It is so frustrating. I have nothing on my credit reports to suggest there is some reason I fail. Only weird thing is on transunion it has a green circle and some have letters "UC" in but I read and this shouldn't be an issue.
Does anyone have any advice for me? I have tried everything, I can't even build a history because they won't give me a credit builder card. Is it because I applied for 2 credit cards in quick sucession? The natwest one was back in October so why would a random conmparison website tell me I have no chance of getting even a 39 percent interest credit card? What chance have I got at getting my mortgage?
Sorry for the long post.
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Comments
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Your credit rating despite being good or excellant is neither here nor there, what matters is your history, so theres nothing on your history or its limited, is that right ?
Should give it a month for any change to be noticed.0 -
So if I have no history, what do I do? What's going to change in a month? Genuine questions. Thanks for your reply.DCFC79 said:Your credit rating despite being good or excellant is neither here nor there, what matters is your history, so theres nothing on your history or its limited, is that right ?
Should give it a month for any change to be noticed.0
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