I'm 21 years old who works full time..
Iv never really had any credit besides mobile phone contract.
I've applied for a few credit cards that ave been advertised on martins money saving tips but always been refused because I have no history.
This has caused my credit rating to drop A little bit.
I've managed get it back up to 701 which falls in the poor category and fair/neutral being 720.
My car insurance is far to much and decided to get a newer one with smaller engine.
I've been to Halifax and they have give me a quote on a loan that I can afford to pay. But I didn't get a credit check. Is it worth me trying?
Is there anyway I can get a few extra points on it to get out of the poor catergory in the next few days?
I've been tracking my report with experian