maxsteam:

"borrow anothr £1000 to ensure i can keep some kind of borrowing going " - you seem to believe that you cannot survive without credit.

Shop credit generaly costs more than using a credit card but the cheapest way to buy many things is to pay cash and ask for a discount. You do not need credit. It is handy to carry a card rather than cash, but you already have a credit card. Balance transfers are not such a good deal these days because many claim to be at 0% then they add on a handling charge of a few percent.

Yes, people should look to borrow money to buy a house but you've already passed that stage. Stop looking to spend your money on credit and start spending it on yourself!

I have to agree. I don't understand why you keep borrowing another £1000 when you get near the end. Surely it showing the account settled would improve your credit rating. You already have a mortagage and a credit card so why do you need to keep some form of borrowing going ? If you can afford £100 a month for electrical goods/furniture etc, try saving up that money in a savings acc and then in 12 months pay cash. If you keep applying for credit you will be leaving footprints of searches on your file which will not help.

Are you on the electoral roll ? Contact the credit ref agencies for advice or look at their websites. I use experian to check mine online regularly.

actually the point i'm trying to make is i can't get credit to buy large items, recently a local shop was offering 12 months 0% on electrical goods i can afford £ 100 a month but i aint got £1200 to hand over and even if i did why shouldn't it stay in my account making me interest. i ask for discount for cash but shops aint interested in that old fashioned attitude any more, they make their money by people taking out credit and insurance. cash dont mean nothing from me and you they get more from insurance Co.s and still sell their product regardless.

the advice i am after is why is my rating remaining so low irrellavent of what i do. am i missing something important, i think i am checking eveyhing but something is still a miss

 oh and my cars 12 years old and i've owned it for the last 9 so i reckon fairly soon i'll have to replace it, and without paying over the odds or extreme interest i'm pretty stuck. b'cause most of any decent deals such as low or 0% deals are unattainable for me. now i know they add something on to compensate for the low deal but try paying extreme high interest even if you can get it! and believe me that little added on up front is well worth it so leas less of the lectures about i shouldn't be using credit because were not all in the privellaged possition of havng sheds loads of readily available liquid assests some of us work hard pay the bills and unfortunatly need credit to supply the larger items in life such as furniture, electrical goods, a car etc etc etc. so please if you cant help me keep your self oppioniated views to yourself

"borrow anothr £1000 to ensure i can keep some kind of borrowing going " - you seem to believe that you cannot survive without credit.

Shop credit generaly costs more than using a credit card but the cheapest way to buy many things is to pay cash and ask for a discount. You do not need credit. It is handy to carry a card rather than cash, but you already have a credit card. Balance transfers are not such a good deal these days because many claim to be at 0% then they add on a handling charge of a few percent.

Yes, people should look to borrow money to buy a house but you've already passed that stage. Stop looking to spend your money on credit and start spending it on yourself!

can anyone help me?

 i managed to get into a bad debt situation some 5 - 6 years ago since then things have improved dramatically. i am in steady work decent pay own my own home with over £100K equity. But i still seem to be refused credit. i recently applied for a Barclay card only to be reused. After checking my credit file all my current credits, mortgage, bank loan and exixst cards show good on time payments the only blot is my CCJ which is shown as satisfied over 5 years ago. but i still struggle to get new credit. My bank loan has been running concurently for almost 7 years every time i get close to finishing payments i borrow anothr £1000 to ensure i can keep some kind of borrowing going the paymets are all made by DD. i have had the same credit card for more than 7 years but cannot transfer any balances because i cant get an additional card so i am always stuck with high intrest. even an AQUA credit card turned me down last week which apparantly was for peaaple who need to improve their credit score. I can never get credit from a shop to purchse houseold goods so i have to use my credit card and so pay higher interest.

i pay all bills by DD so why hasn't my credit score improved?

please somebody help me where am i going wrong........