How do I get a bad credit history?
Understanding how your credit history is compiled will help you to avoid situations which may result in you earning a negative credit history. There are simple things you can do to keep your credit history clean:
-Do pay your bills on time - avoid making late payments on any debts.
-Do not miss payments or default on a debt - this includes your council tax
-Do pay credit card bills off in full at the end of the month
-Do monitor your accounts for identity theft
-Make sure you fulfil financial contract or commitments as failure to do so may be reported to credit reference agencies.
-Where possible do not change address or job too frequently as this can affect your credit history
-If you have defaulted on any debts make sure you clean up your credit history as soon as possible by honouring your repayment schedules
-Avoid bankruptcy
CREDIT CARDS FOR BAD CREDIT RATING
Are you struggling to get credit or looking to rebuild your credit history? There are a range of credit cards available, even if you've had problems getting credit due to a poor credit history, bad credit rating, non existent credit history, CCJs or bankruptcy. Some issuers have flexible assessment processes and will consider all applications fairly, regardless of previous credit history.
Capital One
Capital One's card for those who have a weak credit rating, credit problems or no credit history. Students and new migrants to the UK are also eligible. This card will help you rebuild your credit. A number of choices of modernist designs. Up to £2,500 in spending power, though depending on your credit rating you will probably start lower. As long as you keep up with repayments, your limit will be increased
Vanquis Credit Card
The Vanquis Visa Card is designed for people with no credit history in the UK or who have previously had bad debt or have bad credit rating
E Platinum-Plus
The E Platinum-Plus is not a physical credit card per se - it is a virtual credit card for use at E-Credit plus shopping club only. This shop features most big name products and brands including Ipods, Wiis, TVs, appliances and even holidays. Most product types are offered. There is an initial fee of £79.95, but no APR% on credit accrued. The card is a way to shop online without paying for goods in one go - payments are made monthly and credit is offered to make purchases. £500 cash advance also avilable
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