Credit Problem

Brian_12388

Hi not sure if this is the correct forum for this but here goes

Im 29 from liverpool lived at my address since 2001

I have been having problems with credit i have a poor credit score due to not having any credit and i cant get credit to build my score

I did default on a credit card 6 years ago (capital one) but that is settled and all fixed apart from that i have never had any credit and the more i apply for credit the more my credit score is effected

i have a bank account wich i keep all upto date and have cash in it always well pritty much and have not gone overdrawn

can anyone please give me some advice
Thanks
Brian

YorkshireBoy

Order your credit reports from Experian, Equifax, & CallCredit. You're looking for...

Evidence of electoral roll registration at your current address.
3 years (6 is better) address history.
No financial associations (with anyone with a poor credit history).
Number of credit searches. Any more than 3-4 in the last 2 months or so and you might want to wait a while before making another application.

If all is well, approach your bank for a card. If they refuse, then approach one of the credit-builder card providers such as Aqua, Vanquis, Barclaycard Initial, etc. Might be best to avoid the Capital One product though!

Brian_12388

Hi thanks for the reply

i used checkmyfile and that gave me access to all 3 reports

I have been at my address for 8 years first 3 was on the electoral roll then came off it as capital one was herrasing me and i was in a bad situation i owed them £100, came out of work and by the time i was able to pay it was £600 and i could not get that type of cash but i ended up paying it off and i been back on the electoral roll for a year

no finacial associations with anyone atall

there is 3 serches on my report 2 for my bank account and the other is o2 mobile wich i was rejected for

i have applied for credit from my bank and was rejected

i have no CCJs 1 default and that is it on my credit report it says nothing else atall

i dont really want to go down the credit card road not with credit builders anyhow but i guess ima have to

[Deleted User]

This article should be of help:

http://www.moneysavingexpert.com/banking/credit-rating-credit-score

There's a section entitled 'Manage & improve your credit score'...

Brian_12388

thanks alot very usfull info

Brian

YorkshireBoy

Brian_12388 wrote: »

i used checkmyfile and that gave me access to all 3 reports

You may think it does, but it doesn't...at least not your FULL reports.

IMHO, you've wasted your money. To see why, check out this post...

http://forums.moneysavingexpert.com/showpost.html?p=10264757&postcount=13

Brian_12388

i understand that its not full i have also signed up for 30 days free at experian and got my full report there wich was pritty empty to hehe but as i understand it experian is the most used credit agancy ??