Credit Score

scott74

not sure if this is in the correct thread but here we go.

over the last few years i have managed to sort my debts but my credit rating is well and truely blitzed i have a basic bank account but i cannot get anything else i was wondering if anyone had any advice on how i can get my credit score back up.

go easy its my first post

IWantToBeFree_2

Could you not get a credit card from someone like Vanquis (sp) who will lend to people with poor credit history? Spend £20 or so on it a month, and have a DD set up to pay the balance in full, so you are not getting charged interest but you are building up some good credit history.

scott74

i litteraly cannot get any cards at all not even the high interest ones cap one vanquish etc etc.

LilacPixie

make sure you are on the voters roll. Pay £2 and actually get your credit report and see what the exact position is. There is a pre pay card that costs a few quid a month that reports to CRA's i believe so that may be and option.

Pay wages into your basic account, use it regularly and never ever ever have a returned DD. most banks have internal behaviour scores which bypass CRA's so you may have some luck with that.

scott74

thanks but im on the electoral role got 2 out of the 3 credit reports both look about the same they are full of defaults until i managed to settle the accounts my salary go direct into my account and i have'nt missed a d/d or standing order for at least the last 9 months.

all i want to do is repair a badly damaged credit score.

IWantToBeFree_2

There is no quick fix to these things! Whatever you do, don't fall foul to people who advertise that they can 'fix' your credit score for a fee!