Credit Rating

[dibble1]

I own a park home which is worth at least 30K but I'm not allowed to call myself a homeowner, bearing this in mind I recently applied for a non-secure loan when I was told I had a poor credit history. I have a loan I've never missed a re-payment on, an overdraught (who doesn't), a catalogue & I can't think why, although never having had a credit card counts against me? This limits me to loans with extortionate fees.
Is it worth me paying to check out my credit rating??

[vodkancoke]

It's only £2 with Experian. It can't do any harm checking it.

[vodkancoke]

Sorry meant to add you can also do it free online for a month, but you have to remember to cancel it before the month is up!

[Anngel]

Does your home share a postcode with others in the same park? Or, have you only been living there a while. Sometimes these credit ratings are based on the address and you can be punished for someone else's credit mess. It is definitely worth checking Experian.

[boxtops]

Unfortunately, not having a credit card or other credit arrangements does mean that the credit companies don't have a great deal to check, so can affect your credit rating. IMO.