Catch 22

[recasted]

Hi,
I dont have a bad credit history and I dont have a credit card. I dont intend asking anyone to assist but myself. I have had perhaps 5 refer to drawers over the last say 10yrs of banking, but recently Ive been trying for a personal loan and been declined.

I cannot even get to see my credit report from Experian without a credit card...is there any other way I can see my credit report / history? I tried Using VISA 3V voucher but Experian say this credit card mode is not acceptable. All good advice welcome.

Regards,

recasted

 

[wizzard]

You don't need a credit card to see your credit report.

Write to experian with a £2 postal order requesting your credit report.

You don't need to sign up to their creditexpert service in order to see your credit report.

 

[Chris Ashdown]

If you dont have loans or credit cards they have nothing to judge you by so turn you down even though you could be an asset rich millionair but cash poor

 

[cheeky44]

Hi,

Have you tried for an overdraft? Usually easier to get than a loan...

I went through lloyds id aware to check on my credit report.
I heard bad things about the other companies ie that they were impossible to cancel so I went with slightly more expensive one.
It's about £7/month but you can just have it for a month then send an email to cancel (which is what I did).
Found out there was still an open Vodafone account on there that I closed years ago, I don't think it affected me negatively but good to get it sorted!
I've been in UK 3 years, it's taken me this long to get overdraft and I still don't have a credit card because I don't have good enough credit!

 

[bizloanservices]

Your credit score is made up of many factors, not just whether you have credit cards/previous loans.

One aspect is whether you're on the Electoral Register.

Here's a useful FAQ from Experian:

http://www.experian.com/credit-education/credit-score-faqs.html

 

[Galmac618]

If you've never used credit facilities then you may not have a credit history to report on!

 

[recasted]

Hi All,

Just found out about what having a credit history means and how important it is.

Now I am slowly creating a worthy credit history with the assistance of two Credit building credit cards.

So greatful for the advice I got here....makes me wonder how many souls out there go through life not knowing WHY they cant get HP or other life demanding assistance?

Great site,

recasted