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cyberangel77uk | Unable to get credit , what should i do? |
i recently posted about identity theft , asically since moving into my home last year iv had a mass of letters in my name for debts opened at different addresses all over the country , iv rang all the companies and they have all told the tracers they got the wrong person
however i have also tried to apply for some credit- 2 catalogues and a credit card , all of which said no straight away , it really frustrating as i could do with some kitchen goods and cant really afford them
i have my gas and electric via monthly payments , i also have a bt house phone and a current account with hsbc bank,also have a doorstep loan with eccles finance and i never miss or be late with payments
i cant understand why no catalogues will give me credit , surely bt , and fuel companies are also reegistered on the credit files arent they?aswell as my bank
please dont recommend BRIGHT HOUSE they charge too much and the store is too far
is there anywhere else i can try for home goods on credit
~
Additional Details
i already have debit cards from the bank , its the catalogues i cant seem to get , is there anyway of appealing when they say no? |
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ITMatt
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The catalogues may have blacklisted the address i.e. won't allow new accounts at that address.
Best bet is to write an appeal to their head office. |
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kelly b
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Try www.homeshoppingdirect.com for a catalogue. My credit is not great but still got approved. They may only give you a small amount of credit but it goes up quick if you make regular payments. |
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Aoqua
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Contact Equifax and ask for a copy of your credit report. You need to remove anything which is untrue.
Basically it's best to try and live without credit anyway. Credit makes you poor. |
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Ange
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We have just bought a pay as you go debit card, google tuxedo and you will find out what you have to do. |
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tatted_fatgirl
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i think due to identity theft, i would sue the person who stole your identity and once proved in court that it was not you, your record may be restored. but to keep out of financial debt heres what i would do.if you wer eto get a loan for 2000 dollars and your paymenets were 200 a month. put that money away every month, and in a few months go get yourself what you need. if you need a fridge, you can get them for under 500 bucks. so 2 months money or so. if you cant save this money every month, then no need for a loan because you couldnt pay it anyway!maybe after youve saved for a while, in the same amount of time you can get your credit restored. too many people get loans when they dont really need them. that is why everyone else is rich and we are poor.you SHOULD always have a backup savings plan. |
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John S
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I would check my credit report and check all the company I (or my thief) have debts with.
I will first contact the County Court you have Judgements with and ask them to have them removed from your report. This can be done through the court and the credit report agencies.
To check your credit report:
http://www.financecomparator.co.uk/creditreport.html |
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Amenda D
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try to ask4loan.co.uk because its only who help you in these type of situation.
My friend was also faced this problem in past and this is the single company who help them. |
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walkthisway2009
 |
Have you considered using one of those authorized user tradeline programs. They are very affordable and would get you well on your way to having better credit. My mom used it and not only was able to open other accounts, but her score jumped 51 points. Check out the free evaluation form at www.totaldebtsolutionsllc.com They can help. |
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slackbloke
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Utility companies do not routinely provide information to credit agencies (as you do not enter a credit agreement with them) so not missing any payments is irrelevant.
Firstly you need to be sure you are on the electoral roll at your present address but, even if you are, it works better if you have completed years at the address. The full electoral roll is issued 1st December each year so you will get a better rating if you have been on a whole year (1st Dec to 30 Nov).
Also, current accounts are not normally on credit records. You may have been declined a credit card simply because you didn't match the lenders profile. I would check your credit file with the major agencies (Experian, Equifax and CallCredit), and start to 'build' your credit by attempting to get a loan or credit card from your existing bank (HSBC). They are the mostly likely lender as they already know you. |
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Ðïgïtå£ §åmü®åï
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steal someone elses, if u cant beat em, join em |
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