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having problems getting credit


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i have just been refused a C card from my bank halifax. i have had an active account with them for a the past 10 years.

 

i have checked my credit report using the 30 day free trails and there not any ccj's or defaults. just a number of late payments and settled accounts.

 

and i have been on the electrol roll too.

any reason why im beeing refused credit and how can i improve my credit score ?

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i called equifax and found out the only negative thing on my file is a search made by a debt collection agancy back in 2007. how do i go about removing this from my file ? also my last search with equifax was on the yesterday and in December with experian. if i run another search with experian will it effect my account even more? i cant belive i have been refused credit from only one previous search back in 2007! there might be somethign else i have misssed on Experian.

Edited by Faz_London
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  • 4 weeks later...
i called equifax and found out the only negative thing on my file is a search made by a debt collection agancy back in 2007. how do i go about removing this from my file ? also my last search with equifax was on the yesterday and in December with experian. if i run another search with experian will it effect my account even more? i cant belive i have been refused credit from only one previous search back in 2007! there might be somethign else i have misssed on Experian.

 

I believe a debt collection agency search is held on file for two years (as oppsed to one year with a credit search). If it was in 2007, it should drop off some time this year. It's also worth looking at all agency reports. I had an Experian report recently which was clear but Equifax showed an incorrect default for an account I settled ages ago. A lot of banks will only take on "squeeky clean" customers because of the current financial situation. When this is all eventually over, there's going to be a hell of a lot of poor folk unable to get a bank account or mortgage. What's going to happen to them I dread to think.

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