Does anyone know what effects your credit rating?

 

I went to get a pay monthly sim card (just the sim from O2) and they hadnt sent it. I rang to ask "why?" and they said my credit check had been declined or summat. Thing is I still have (even though the ex uses it) a contract with O2 -in my name registered at the old address. I didnt have any probs when obtaining that. It is paid up to date by DD constantly.

 

I have no debt (I did have a joint loan - but no longer do) I am not in arrears and never have been. The only thing that has changed since moving is that I have a £500 overdraft (which I am not in)

 

I am trying to get a report from Equifax but the site isnt working properly.

 

Could this all be down to my new address at a rented property?

Does anyone know what effects your credit rating? 

 

I went to get a pay monthly sim card (just the sim from O2) and they hadnt sent it. I rang to ask "why?" and they said my credit check had been declined or summat. Thing is I still have (even though the ex uses it) a contract with O2 -in my name registered at the old address. I didnt have any probs when obtaining that. It is paid up to date by DD constantly.

 

I have no debt (I did have a joint loan - but no longer do) I am not in arrears and never have been. The only thing that has changed since moving is that I have a £500 overdraft (which I am not in)

 

I am trying to get a report from Equifax but the site isnt working properly.

 

Could this all be down to my new address at a rented property?     

<{POST_SNAPBACK}>

It could be where you live, previous tenants, i had same problem moved in rented accomadation and the previous tenants had left lots of debt. Had lots of trouble getting anything not fair but there are lots of people that dont give a *hit what they leave behind

are you on the electoral roll at the new address???

Yes I am on the electoral roll

 

Will try to get hold of the details from Equifax....It best not be the address cos that will really fcuk me off! If it is, atleast I only have 4 more months rent left

 

I really cannot think of any reason why I was declined. It were a £25month deal (that you arent even signed into) not a bloody £20k loan

Yes I am on the electoral roll   

 

Will try to get hold of the details from Equifax....It best not be the address cos that will really fcuk me off!  If it is, atleast I only have 4 more months rent left 

 

I really cannot think of any reason why I was declined. It were a £25month deal (that you arent even signed into) not a bloody £20k loan   

<{POST_SNAPBACK}>

Hopefully just a mix up...

Yes I am on the electoral roll   

 

Will try to get hold of the details from Equifax....It best not be the address cos that will really fcuk me off!  If it is, atleast I only have 4 more months rent left 

 

I really cannot think of any reason why I was declined. It were a £25month deal (that you arent even signed into) not a bloody £20k loan   

<{POST_SNAPBACK}>

 

maybe you don't have enough history then at one address, how long you been at the current place??? and the last place??? they love people who have lived in the same place for years n years n years!!

I have only been here 2 months and was at other place over a year (O2 had no problem with that when I got a contract through them after living there 7 months)

 

fcuk knows why - will get onto Equifax cos it is peeing me off

I have only been here 2 months    and was at other place over a year (O2 had no problem with that when I got a contract through them after living there 7 months)

 

fcuk knows why - will get onto Equifax cos it is peeing me off 

<{POST_SNAPBACK}>

 

you can get a report online, think its about 2 quid or 2.50

 

its then posted to you

Its not working - ben trying all day

Its not working - ben trying all day   

<{POST_SNAPBACK}>

 

try http://www.experian.co.uk/

 

they're the only 2 credit agencies in the UK Experian and Equifax