I have been a regular reader on here and have followed the sites advice to improve my finances and credit rating so far. I have settled the 1 outstanding default. My credit report now shows that I have had 2 accounts default and that 1 was settled in Dec 2007 and one in Apr 2009. I have closed an account for a store card I had open but never use. I have checked that all other details are correct. I am registered on the electoral roll. My credit report now basically shows I have my bank account and a mobile phone contract which are both perfectly fine and have always been that way, and then the 2 aforementioned settled accounts. It also shows that I applied for a Capital One credit card in Nov last year (I changed my mind and didn't get the card) and was searched by Virgin Media when I got my tv and internet from them last Oct. So I haven't applied for credit of any type since last Nov. I checked my score and it was 696 with Experian which rates scores between 561 - 720 as poor.
I was wondering if anyone had any advice as to what my next step should be????
I was thinking that I should get a credit card, even if it is high interest and just use it for my normal stuff I would normally buy e.g. petrol and food and then pay it off every month before the interest kicks in. But not sure if I would be able to get one of these cards.
Thanks