Barneyballbags
Old School Grand Master
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greenstiles":1hhmcvm6 said:In the meantime, get catalogues and high interest credit cards and use them like once a year and pay off the items as soon as you have it.
This will start to give you a healthy credit rating again REMEMBER no credit rating is a BAD credit rating.....they want to see you can borrow and pay back over a period of time.
That's exactly what we're doing at the moment..! Great minds and all that
My girlfriend has a store card (Next) and a credit card (Vanquis). I've got 2 credit cards (Vanquis/Aqua) and I'm applying for a third.
The balance on all of these is minimal, with us making one-off purchases using them and then paying the full amount back at the end of each month when we get paid, thus avoiding any interest being charged
Hopefully this should start to go some way towards improving things...