Why am I being refused?
- Thread starter Tom91
- Start date
Soldato
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- 8 Mar 2006
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- 13,300
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- Near Winchester
Credit crunch just hit yo.
Soldato
- Joined
- 24 Sep 2005
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- Middlesbrough
It's because you've NEVER had credit. They don't know of you or your history.
Try and get a credit card (and use it properly!
) and then build up your credit history.Can't be that - Im on a contract and don't have a credit card.It's because you've NEVER had credit. They don't know of you or your history.
Try and get a credit card (and use it properly!
Whats your second name?
Can't be that - Im on a contract and don't have a credit card.
Whats your second name?
Possibly Northern Rock
It could just be something simple like the credit report companies have your details down incorrectly. When I was 18 I was being refused credit, after a bit of malarky on the phone with Experian I eventually found they had my address completely screwed up, to the extent that it wasn't even a valid address.
I managed to get an iphone on contract at 18?
You must have one of those faces
Which network?
Soldato
- Joined
- 10 Nov 2003
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- 14,034
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- Surrey, by the river
You may have originally been refused for a minor reason, but the subsequent rejections will be because they have seen the applications and rejections on your record.
Applying for credit generally has a negative impact on your credit score and being rjected has one too. The more you apply and get rejected the worse your score will be.
Get a credit card from your bank; they are the most likely people to give you one since they have access to more information that your agency credit rating.
Applying for credit generally has a negative impact on your credit score and being rjected has one too. The more you apply and get rejected the worse your score will be.
Get a credit card from your bank; they are the most likely people to give you one since they have access to more information that your agency credit rating.
Mobile phones shoudl let you get a contract with no previuse credit. But maybe only the cheaper ones?
Don't try anymore. the more searches against your name, the harder you will find it.
Goto www.creditexpert.co.uk sign up for a free 20 day trial. Pay 5.99 to get your score and see what it is. Then send them an email and cancel the account. Unless you want to pay a monthly fee.
It might also be worth trying it through a third party. Like carphone warehouse. Or one of the many websites.
Don't try anymore. the more searches against your name, the harder you will find it.
Goto www.creditexpert.co.uk sign up for a free 20 day trial. Pay 5.99 to get your score and see what it is. Then send them an email and cancel the account. Unless you want to pay a monthly fee.
It might also be worth trying it through a third party. Like carphone warehouse. Or one of the many websites.
91 is quite an unusual second name, yes.
I think I tried through Carphone with Orange. Wouldn't it be worth me trying to go through the other contractors instead of directly to the network or would it just equal in the same result?
Cheers
Soldato
- Joined
- 10 Sep 2008
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- Bangor, Northern Ireland
Are you on the electoral register?
You'll probably have more luck going straight to the network, and asking them about paying a deposit up front (usually a few months line rental).
Your other alternative to a credit card is to set up an account with some product or service that requires a direct debit payment each month, something like a gym membership.
Your other alternative to a credit card is to set up an account with some product or service that requires a direct debit payment each month, something like a gym membership.
They aren't allowed to IIRC.