I would like to rent a house…?
…I know I have a shaky credit rating and have failed checks for a mobile phone contract and a credit card recently…The only explanation is overdraft charges. No CCJ’s, No mispayments (in fact no direct debits set up before recently. I wasn’t sure if I was on the Electoral Roll so have taken steps to make sure I am. I have adaquate funds and income to pay off rent/phone/bills/council tax and can prove I ern as much as I do.
I was under the impression getting a credit card and paying little debts off would help my credit rating, but was declined a credit card.
How do I correct or repair my credit rating quickly, money is no object, if I have failed to get a credit card and can’t get any money?
Plus for bonus points…what is my actual credit rating. How do I see it (surely making it easier to see how I can better it) and what actions make better differences.
I sort of feel like I’m drowning without any idea which way the surface is.