Credit Rating: How it works and How to improve it discussion area

A question about : Credit Rating: How it works and How to improve it discussion area

If I have credit cards or store cards which I don't use, can future lenders find out about them if I don't declare them?

Best answers:

• If I have credit cards or store cards which I don't use, can future lenders find out about them if I don't declare them?
• I have recently been rejected for a credit card. I realised that my mum had unregistered me on the electoral roll. I have just put myself back on. I still have all my financial stuff going to my parents address as I have only just graduated and expect to be renting and moving about for a while (so will remain registered there). 'I' have lived at my parents address for nearly 10 years (including whilst i was at uni) but in that time I have haven't always been on the electoral roll as I was too young and then I was removed for a short time. Does this mean when I fill in the box for how long have you lived at this address - I can't put 10 years as the electoral roll would suggest otherwise?
• Question 10 is a bit loaded - it asks whether you pay off your credit cards and store cards in full each month - I don't have any, but obviously answering 'no' isn't going to help the rating...
• hi there, im going to apply for a professional development loan to fund my dentistry studies as i've just finished my biomedical sciences degree.
  But i have 3 missed payments to date all from bloody barclaycard in the past 12 months for balances around Ј20! . I have plenty of money in my current account to pay the balance at the time but I just forget and my bills haven't been coming on time to my home address!
  I'm really worried as I am meeting up with HSBC and Natwest, for my postgrad studies and wondering will this effect me a lot?
  I have a good healthy balance in my c/ac and have never been in any other problems ever!
  Please could someone give an overview about this.
• Hi everyone,
  I found the missed paymens question a bit ambiguous. I've missed payment dates on both my cards, but I have paid the minimum amounts due before the following statement arrived. Would that prevent me from receiving a card to balance transfer to?
  Thank you,
  ndp
• Hope this is the right place to post. For the past three years I have no debt but a very very poor credit file due to a satisfied CCJ and past defaults. I understand it takes 6 years to be removed from my credit file. Is it worth getting a Cashplus to improve my credit rating? I have read mixed reviews.
  Thanks for any help.
• Will checking my credit record on Experian or Equifax be counted as a credit check in itself, and if so will that affect my record at all?
• Hi ive just checked my credit file and i want to know how to improve it ive only had one missed payment on thwere but i have a lot of accounts all up to date i had a lot of searches done and i know this doesnt help but what else can i do to improve my score as i cant get a CC or loan out ???
• hi
  i have Ј15k spread over 5 cards which i use for stoozing, the money sits in the bank and is there to pay the minimum repayment each month and the outstanding balance when the 0% is up.
  will this adversely affect my rating? mortgage due in March - will have paid back all by then!
  slightly concerned though - no other debts, earn in higher tax bracket, mortgage will be 60% of value of property - should i be concerned?
  thanks
  jb
• if i set up a direct debit for the full amount and say i receive a refund or if i pay online the balance before the direct debit date does the payment still go through?
  Also how do I set up one online?