Cannot Get Credit!!

[dx100uk]

placing a notice of correction is pointless in most aspects 

the robots that do lenders credit scores and thus rate you cant read.

 

what has been your historic score over say the last few months/years always this figure?

up or down

are you on voters?

 

 

 

[dx100uk]

old and new threads asking the same question merged..

I just wasted my time when you'd already asked this before thanks

 

[dx100uk]

well we volunteer our time here

a waste of it is somewhat annoying ….

 

there is a credit file guide in our credit reference forum which might help you understand your issue.

 

a defaulted date against an account as well as late payment markers within 6yrs will certainly kill your score

so will numerous applications for credit that fail.

 

and the oxymoron effect of not having any running credit to show regular payment doesn't help a score either.

 

have you considered applying/transferring to universal credit?

as if you could get your pip transferred to UC, you can get loans and advances free of interest for white goods etc etc that will be far better than any high int line of credit presently your only option/////

 

[dx100uk]

but its not just one default, it's all the other factors too mentioned above.

 

sadly a creditor has a duty to report accurate information upon how you conduct yourself financially.

the fact you p'haps unfairly lost some income, the same as someone losing say a 2nd job, is not their concern.