Best way of getting credit history?

[Bellend]

Am on the electorial role! Credit score is fair. 3 good things, two negative, one missed payment that shouldn't have gone through anyway and one because I'm young.

How old are you, I bought a place at 21, my problem is kicking the misses out  Houses are pretty cheap round rochester especially at the moment with the base rate being around 4% mortgage deals are quite good, down side is deposit, plus around £2000 solicitors fee's and then surveying.

 

Yeah it's more getting the actual mortgage. Not tried nor want to try at the moment though.

Am on the electorial role! Credit score is fair. 3 good things, two negative, one missed payment that shouldn't have gone through anyway and one because I'm young.

Get in touch regarding the wrong missed payment and get it removed. I had the same thing - they were trying to take money for an old phone contract which was cancelled. I wrote O2 a letter / email and they got in contact with Carphone warehouse who got the default removed and boosted the credit score.

Chances are it's the missed payment which is stopping you getting credit as people won't want to lend to someone who can't payback. But once it's removed you'll be happy days.

Okay, good shout thanks. Was insurance payment. I'll give em a ring!

[archie837]

If it doesn't get anywhere your next step is to refer your case to the financial/insurance ommundbson (LOL RUM SPELL = GOOD)

Loads of template letters online to use so if it's s genuine muck up on their side negatively affecting you, you'll be able to sort it.