Quote:
Originally Posted by accyman
this sounds daft but not having a history of using credit can actually go against you when applying for credit
when they check credit reports they like to see a healthy history of borrowing like mobile phone bills , credit card bills , loans etc so if you are a person who has borrowed little or hardly ever used finanace to buy things it can actually go against you
told you it was daft lol
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that is oh so true, went in Burtons arndale approx 4 yrs ago, got a pair of trollys n at the till, the lass said, Would ya like a Burtons Store Card sir,? as ya get discounts wi em, as i used them often,i said yes. so she did the business on computer n then said sorry sir ya have been refused, why says i? i have never owed money in my life to anyone, ah says she, you have a LOW credit rating, was very angry n felt shown up, as was quite a few in the queue, their loss, have never shopped their since.