Blacklisted credit rating. What can I do?

I have recently moved into a new house and I now find that I am unable to obtain a credit card because of poor credit rating. How can I fix this? Have you had similar experience? (Before moving I have always had an excellent credit rating and have never been debt) Pnk - that link would be great but it doesn't work because I'm in the UK Perhaps it's different in the UK. Here, if someone lives in a house and doesn't pay their bills and then moves out, the next owner/occupier is left with 'poor credit' rating this means that I cannot get a credit card or similar item like buying a car on a hire purchase scheme. This question does make sense and please don't talk to me as though I was an idiot. Hi Sherryn, I don't think you read the question. I agree with you! I have never been in debt before - not ever. I pay a mortgage which I can comfortably afford to pay, I don't have any credit cards, I don't have any expensive items on hire purchase and I always pay all my bills on time. It's not fair that I get a lecture on being careful with my money when I am. Thanks, Dominique Hi Sherryn, I don't think you read the question. I agree with you! I have never been in debt before - not ever. I pay a mortgage which I can comfortably afford to pay, I don't have any credit cards, I don't have any expensive items on hire purchase and I always pay all my bills on time. It's not fair that I get a lecture on being careful with my money when I am.

Public Comments

1. You can't be "Blacklisted". Credit is a summation of your spending and buying history. There has to be an explanation. If you credit has been "excellent" up to this point, then maybe the credit card company pulled the wrong report. It is easy to transpose one of the numbers on your SSN, and get an incorrect reading. When is the last time that you looked at your report? You are allowed to received a free credit report, every 12 months, from each of the three major credit agencies. Check your report for fraud as well. Has someone stolen your identity, and made charges that don't belong to you? To get your credit report, click on the link below. You don't need to sign up for anything. Good Luck!!
2. Your question makes no sense. Simply moving should not effect your credit. Unless you bought a home and that should improve your credit not hurt it. Sorry, did not understand what you were trying to say. So in the UK if the previous owner doe's not pay their bills the new owners credit is effected? If that's true, it suc**. Since you are not in the United States, I don't know what to tell you except that kind of thing doe's not happen here.
3. just make sure all your bills are paid on time and it will take some time but it will get better..
4. It's time to learn how to live within your immediate means on just what you earn! It is difficult to fix without money. You can use the equity in your house as a loan source, but that's risky & I think the banking & loan institutions are in with the credit card companies to takeover as much land as they can by counting on a foreclosure from people in your type of a situation! This is why debt counseling is important BEFORE you buy any property. Once you are in over your head, there's really no hope. Good Luck. I wish that I could say something that will help you, but I think it is too late. Credit is an addiction. Break the cycle by making a choice. House or stuff. Some people can't have both & you have to learn to live with that or go back to a less expensive housing arrangement!
5. The easiest credit card that you can get is a secured credit card. Granted you will have to put a deposit upfront to get the same amount of the deposit in a line of credit. But this can be a way for you to create a savings account while you're building credit at the same time. You can add to the deposit to boost your credit line every month or so. It's good practice to charge what you know can be paid off in full, on time, every month. Usually after a year of perfect payment history, the card will become unsecured, and the deposit can be refunded. While it may cost money at first to set up the card, ultimately it will pay off in the long run becuase you would have been able to create a savings for yourself, get a pretty decent card that you wouldn't been able to get before and the ability to rebuild your credit.
6. Did you buy the house? If so, you've taken on a huge debt and that's affecting your credit. You just need to build it back up and give it some time. Do you need to make any purchases for your new home, such as furniture or electronics? See if the stores will finance these--making the payments will help your credit. Making your mortgage payments will also help. Ask yourself--do you REALLY need a credit card right now? Maybe you could just be patient and wait for your credit to improve. :o)
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