Need advice how to improve my credit rating

[jimmyp87]

Sorry if this is in the wrong section!

 

My credit rating is very poor!

The two negative factors are that I have 1 default and no credit accounts registered at my current address.

 

I've applied for bad credit rating cards etc to help improve my rating and I've not been accepted.

 

I'm in full time employment and desperately need a credit card just to spend like £10 a month on to pay off in time.

 

Anyone know of any companies who may accept me? I obviously don't want to apply for any more than needed. I've tried vanquis and barclaycard credit builders

[BRIGADIER2JCS]

Try Capital One they star with a credit limit around £250.00 interest is high but safe if you keep to a low spend and repay in full and on time each month.

With no accounts what so ever at the current address other than a defaulted one the potential lenders have nothing to relate to and this means the likelihood of rejection is high.

 

 

If the default is fairly recent this will make the problem worse.

 

 

You refer to your "current" address do you have previous addresses linked to your credit files, are there any accounts held at the previous address?

 

 

Which credit reference agency did you use?

[Alfie29]

My girlfriend is with SANTANDER, could they help? It's worth looking around and finding out wot bank can suit ur needs.

[BRIGADIER2JCS]

Unfortunat0ely having too little current credit is as bad as having too much, the advice given to Alfie above applies.