Associate
Hey guys, need some advice please! 
Basically about 5/6 years back I made a few poor decisions and took out finance on a computer I couldn't afford etc as well as a few other stupid decisions on credit, within the last 2-3 years I've been working as hard as possible to repair the damage but it's just getting to the point where no matter how hard I try I still get declined for everything!
Over 12 months my score has gone from like 549 to 787 (had peaked at 840 but Three mobile messed up taking a payment and it got marked against me for some reason).
Still even now everytime I apply for any type of credit/finance or account it's instantly rejected, I make £1250 a month and am now a self employed director of a small business and have been desperately trying to get things sorted but even if I apply for say an overdraft limit with nationwide (whom I've been with for 5 years and never gone overdrawn) it still instantly declines me, I can't even get a £29 per month phone contract in my own name..
The only thing I've been accepted for was a capital one classic card but it has an APR of like 49% so i'd prefer to avoid it, I basically need a safety net (in the form of overdraft) as I'm planning to move in with my girlfriend.
Can anyone advise of what I can do in this situation? I'm getting kicked around because of crappy credit history even though I'm fine now, it's infuriating to think that because of said history it seems I can't be trusted with a bloody £100 overdraft!
Thanks,
Jamie
Basically about 5/6 years back I made a few poor decisions and took out finance on a computer I couldn't afford etc as well as a few other stupid decisions on credit, within the last 2-3 years I've been working as hard as possible to repair the damage but it's just getting to the point where no matter how hard I try I still get declined for everything!
Over 12 months my score has gone from like 549 to 787 (had peaked at 840 but Three mobile messed up taking a payment and it got marked against me for some reason).
Still even now everytime I apply for any type of credit/finance or account it's instantly rejected, I make £1250 a month and am now a self employed director of a small business and have been desperately trying to get things sorted but even if I apply for say an overdraft limit with nationwide (whom I've been with for 5 years and never gone overdrawn) it still instantly declines me, I can't even get a £29 per month phone contract in my own name..
The only thing I've been accepted for was a capital one classic card but it has an APR of like 49% so i'd prefer to avoid it, I basically need a safety net (in the form of overdraft) as I'm planning to move in with my girlfriend.
Can anyone advise of what I can do in this situation? I'm getting kicked around because of crappy credit history even though I'm fine now, it's infuriating to think that because of said history it seems I can't be trusted with a bloody £100 overdraft!
Thanks,
Jamie
