Staying Safe In Manchester.....
ChatterBank2 mins ago
No best answer has yet been selected by Gemma1984. Once a best answer has been selected, it will be shown here.
For more on marking an answer as the "Best Answer", please visit our FAQ.have you an overdraft, or credit card and have you kept a debit on one for a long time e.g. pay the interest but keep the original debt. It is things like this that will increase your credit scoring - remember they are not look for someone who is good with their financies and doesn't get into debt they are looking for someone who is always in debt but very slowly pays it back (with the interest). You will have got the car finance so easily because it is a con e.g. you are paying a very high apr, so they win if you don't make a payment they take the car (even if you have really paid it off) and sell it so they win!
i do have an overdraft but rarely use it i have a credit card which i was going to pay off with the remainder of the loan that i now cant get!
im pretty sure that house is blacklisted the mother in law hasnt paid her council tax for a good while and has various other debts that have gone over to debt collection agencies im annoyed that im being affected by her actions!
Firstly there is NO SUCH THING as a credit blacklist - the existence of one is a myth.
Credit scoring takes into account a number of different factors, how long you have lived at your current address and number of recent searches are two of them. The fact that you have moved house recently will have affected your score, but as such searches are on individuals you are virtually guaranteed of the fact that nobody else will affect you unless you are financially linked i.e. spouse/partner. Also not a lot of people know that the more times your history is searched by finance companies or banks can adversely affect your score so watch out for how many searches are performed in a 3-6mth period.
From what you have said I think your time at current and previous address will be all that is affecting you. Furthermore it is likely that you do not appear on the voters' roll - get in touch with your local electoral office to resolve this. For further information visit www.experian.co.uk or www.equifax.co.uk. These are the two main credit reference agencies who will be able to provide you with your credit report for a nominal fee. This I would STRONGLY recommend as there may be information on your files that shouldn't be there/you didn't know about which can be easily rectified.
Good luck.
Personica's answer is fair enough with regard to interest free periods on credit cards, just be careful as to how much you would be charged after the initial period.
I should have mentioned not to apply for credit files through the internet - ask the company who declined your application which of the credit reference agencies were used and ask them to provide you with an enquiry form.
Correct that the number of applications can lower your credit score, however the result of such applications (accept/decline) is not recorded as this is confidential information.