Cashplus Credit Builder Card - Bad Credit - Question

[pumpjack]

took this card out near one year ago, it gives a loan and i will have paid that loan back in august .
the loan goes against your credit file and hopefully affects future borrowing and at least hopefully heals my credit score a little. ive no ccj,s against me. 4 years ago i ran into difficulty with some credit cards etc.
now that ive paid the loan off is there really any sense in taking another loan out with cashplus for a further year , i mean i dont see much sense in doing so ?

[TonyV]

You can check you current credit score here.

Yhttps://www.experian.co.uk/experian-account/01_free_score-varB.html?adobe_mc_ref=https%3A%2F%2Fwww.google.com%2F&ds_kid=43700006858467834&ds_rl=1169936&gclid=CjwKCAjw0ZfoBRB4EiwASUMdYSo6bfh741kiVNieE-Qq1Y7EY8x1_yr9kQlUEe5a_Bos5NC3hRGSghoCNiAQAvD_BwE&gclsrc=aw.dsou

You can improve your rating by taking out a high interest credit card, using it and paying of the balance at end of month to avoid interest charges.

[TonyV]

Bad link I sent try this one.

www.experian.co.uk

[pumpjack]

thanks tony, i allready viewed my credit on expirian yesterday, rating is at 600 ( poor )

just wanting to know if i should take a further 1 year loan out from cashplus credit builder card ?

[bednobs]

do you need a loan?

[ToraToraTora]

no but as soon as you can, as tony says, get a credit card and buy something each month and repay it it full each month.

[ToraToraTora]

https://app.clearscore.com/ try this too, anything over 400 is ok.

[Peter Pedant]

hi pumpie !
Is business finance two star ( Law ** ), one star or fooo! ( chatterbank ) ?

Posters have got up to Experian - but not that they have a statutory ( = by act of parliament hence the star question) duty ( technical meaning hence stars again)
to give you a credit thingey ( no stars)
for two quid ( pukka - two stars)

but it is hidden
it took me some time to track it down
I will repost when I have got it

[lovely ads - what doooeeeeng ? boxer dog - mushie looks mournful - crap product - the number that the boxer want has not meaning]

[gulliver1]

Why , is TGT using an image of Benny Hill for his Avatar ???????.

[Peter Pedant]

jesus I wasnt joking
it is here

https://www.stat.experian.co.uk/Person/Person?_ga=2.230930072.663124714.1560697742-467971256.1560697742&_gac=1.41666198.1560697742.EAIaIQobChMIn5HxkKTu4gIVyr3tCh3I2AtHEAAYASAAEgIq9vD_BwE

equifax ius required to give a similar service
click on "statutory report"
crouching unnoticed in some little corner as it doesnt bring them moolah let alone lots of lovely moolah

[Peter Pedant]

as for

my credit score is crap - how do I improve it ?

as free-tee would say - pay your bills on time !

[ubasses]

You say this is a credit card, so just make some of your expenditure on it each month, repay in full by the due date on the statement when you receive it. Do not make a part payment as the interest will be high, do not miss a payment or be late.
You will then slowly see your credit rating improving as you will have shown you can manage your finances.
Forget taking a loan on it as you will be paying the high rate of interest.

[Peter Pedant]

oh - freeteez answer has gone
I didnt think it was too bad

I mean it ( his answer ) did treat of the question - innit?

[ToraToraTora]

i can only assume it was because of the link I provided.

[ToraToraTora]

though for some reason the similar link in twopees post seems to be allowed.

[gulliver1]

What has Benny Hill, and Boris Johnson got in common, ??????.

[TonyV]

Peter P calm down or answer sensibly.

[pumpjack]

hi pumpie !
Is business finance two star ( Law ** ), one star or fooo! ( chatterbank ) ?

Posters have got up to Experian - but not that they have a statutory ( = by act of parliament hence the star question) duty ( technical meaning hence stars again)
to give you a credit thingey ( no stars)
for two quid ( pukka - two stars)

but it is hidden
it took me some time to track it down
I will repost when I have got it

[lovely ads - what doooeeeeng ? boxer dog - mushie looks mournful - crap product - the number that the boxer want has not meani


what the effing hell are you blabbering about......glue sniffer ?