Credit check?

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i tried to get an unsecured loan with my morgage company but for some reason since i got my mortgage my credit is not good enough to secure the loan...the man told me to check whats effecting my credit, so i tried to check it at experian but it wont let me as i dont hold a credit card! does anyone know a site where i can use solo.

Credit check?

I challenged Experian on this free credit report because it is misleading. You apply only to find at the end you need a credit card and it is NOT free. Besides who the hell checks their credit file every 30 days or needs to?!!.

Write to the agencies enclosing a 拢2 postal order and ask for your file. They have 7 days to send it. If anything is wrong and you ask them to remove/correct it, they have 28 days to respond. If they fail you can claim compensation and report them to the Financial Ombudsmen.

A suggestion is you could apply for a prepaid credit card. In this day and age, they are essential. I have one for such situations. Go to www.mycashplus.co.uk and apply for a prepaid Mastercard. No credit checks are done.

Credit check?

the reason you have a poor credit rating is because you do not have a credit card, a credit card allows the bank to see that you can use it responsibley without one they don't know how responsible you are.

Credit check?

Not having a credit affects your credit rating for some reason - Infact the more debt you have (as long as you dont ever go into arrears even once) will increase you rating.

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Credit check?

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