Improving your credit rating - help please!!

[missylow]

Hi,

 

My boyfriend & I are trying to get into a position to start a family & buy a house together. Hence we want to ensure both of us have as good a credit rating as possible.

 

My credit rating is a high "Good" and I am trying to work it up to excellent. On the other hand, my partner's credit rating is "poor". In the past he had run up a few debts with mobile companies and creit card companies and probably a few others.

 

Recently he accessed his credit file on experian to try & get these resolved. However, there is absolutely nothing showing on this file! No debts, no CCJs, no bankruptcy or anything, so we are at a loss as to how to improve his credit rating. He can't even get the credit cards with the really high interest rates in a bid to improve it!

 

He has applied to be on the electoral roll, but not sure what else to do. Is it possible the information is held with another company such as equifax? Or do they all hold the same information?

 

Any advice would be gratefully received

 

Thanks!

[dx100uk]

Hi,

 

My boyfriend & I are trying to get into a position to start a family ......

 

Any advice would be gratefully received

 

Thanks!

 

now i know this is a consumer action group , but thats taking things a bit far:-)

 

 

dx

[dx100uk]

get him on the electors that should do it.

but it will prob show linked addresses and the old debts then.

 

have you gotten the full report not just the rating?

 

dx

[missylow]

He's got the full report & the rating! The report does show all of his associated addresses spanning back years! But there's just no credit information on there!

 

It's very weird. So if he goes on the electoral roll it should show up?

 

Thanks!!

 

p.s. cheeky comment re:starting family! LOL

[dx100uk]

well it will prob take the credit rating up

but if your debt are not showing p'haps they have fallen off after 6yrs?

 

dx

[missylow]

Do you think that's the case? Would there not at least be CCJ's or something?

[dx100uk]

if you have done the full report as you have said and with old ad's then a CCJ would def be listed already if one existed.

 

voters is a very big scorer.

 

i bet thats it.

 

in terms of credit, it is the only major way of varifying ok for credit as such.

 

dx

[missylow]

Cool! I'll get him to get on there then! Thanks!

[aimzrabbit]

on your experian report you need to go into address profiles and manualy add all your boyfriends addresses and the time he he lived there in the past

 

when you look at your full report experian does not search your old address automatically

 

for example if you only have your current address in the profile it will only search that address even though on your report it shows old adresses in the linked addresses part

 

once you have manually added the addresses you will have to wait until midnight for the addresses to be updated on the experian servers then redo your report and you should see the old agreements on your report

 

if they are there i would redo your credit score and that will give you an accurate credit score as though a lender had done it

 

kind regards