rebuild your credit with T-Mobile

  If you are looking to rebuild your credit then T-Mobile could help. T-Mobile are currently offering a T-Mobile Solo light option which offers you a Sim only option and has limitations, however, it can be used to help strengthen your credit file as it reports back to the credit reference agencies. The sim option costs £15 per month and you get an allowance of text messages and minutes, however you cannot dial international numbers and other limitations can apply. T-Mobile also offer Flex, according to some message forums, people with less than perfect credit histories have been accepted by T-Mobile, with Flex you can get a mobile contract with a brand new mobile phone. T-Mobile do not guarantee that everyone will qualify, but in our experience T-Mobile offer contracts to people who may not be accepted elsewhere and therefore if you are looking to rebuild you credit, it may be a viable option and from just £15 per month, it could be an affordable option. Click here to find out more and visit T-Mobile

A few tips to help you -

- Be Honest, don’t lie on your application, T-Mobile like other companies will take a dim view on people who don’t complete the application in good faith.

- If you are offered the Solo light option, make sure you make your payments on time, after 6 months, you could well qualift for an upgrade to a full mobile phone contract

- If you go for the Flex T option and choose a mobile phone, make sure you make payments on time, if you receive a call offering you a Solo Light option, this could be a chance for you to rebuild your credit and can help improve your credit score. 

Capital One Credit Card

Have you had Problems with credit in the past and finding it hard to get accepted for credit now? If you are trying to rebuild your credit then the Capital One Classic Card could be the perfect partner. If you have been rejected elesewhere and you want to improve your credit rating, using a Capital One classic Visa credit card could help. By making payments on time each month, you can go some way to rebuilding your credit score!

The Capital One Classic card will consider customers who may have been turned down elsewhere, as long as you are over 18, can afford the repayments and are not registered on any Credit Fraud Files such as CIFA your application could be approved in less than one minute.

Credit limits range between £200 and £2000 with an Typical APR of 34.9%

You can even select one of eight designs.

 Click here to read more and apply online for an instant decision

** Please remember, keeping up repayments can help to build your credit score **

prepaid credit cards

Pay in advance - Visa’s prepaid vouchers or a prepaid Mastercard or Maestro.

This is a safer alternative to gift vouchers, cheques and cash. It is also ideal for people who do not have a bank account.

Many banks offer these cards – you simply choose the amount of money to be loaded onto it.

A first card

A prepaid card lets you set the limit on it - that makes it an ideal first card for a young adult. Whether it’s a birthday present, graduation present or going-away present, it will teach them to use their own card and handle their own money.

A gift card

What do you give when you don’t know what to give? Or when they don’t know what they want?

Gift vouchers are limiting. Cheques are a nuisance. A prepaid card or prepaid vouchers gives them the freedom and the fun without the fuss. And they can’t spend more than the limit you choose.

They can choose what they want and enjoy looking for it. They don’t have to spend it all at once. They don’t have to spend it all in one place. Anywhere that takes Visa, Mastercard or Maestro. Anywhere in the world.

bread prepaid maestro card

cash plus gold mastercardSplash plastic (prepaid Maestro)

The Sun prepaid mastercardTuxedo prepaid maestro card

adverse credit loans

  Eurocredit are an on-line Loan Broker, offering unsecured loans for tenants, home owners and adverse credit. Welcome to eurocredit, the UK’s premier online loans specialist. Unlike many brokers, eurocredit will not charge you a fee for sourcing your personal loan and we can give you an in-principle decision within a few minutes of your application! 

homeowner loan

Are you paying too much?

Do your current outgoings exceed your income?

Would you like to consolidate all of your credit (IE loans, credit cards, car finance etc) into one, easy, affordable, repayment?

ABC home owner loans could offer you the option you are looking for…

If you own your own home and you would like to find out more please click here.

Vanquis - Visa Credit Card

 Rebuilding your credit? The Vanquis credit card has been designed to help people who are rebuilding Credit.

People who should consider the Vanquis credit card

• The Vanquis Visa Card is available to people who have had CCJs (now cleared) or credit problems in the past with a credit limit designed to suit your personal needs - 39.9% APR.

Vanquis considers every application on its own merits, so we encourage you to apply even if you have had credit problems in the past.
Apply online for a response in 1 minute!

No annual fee

Up to 56 days interest free on purchases

Free additional cardholder

Free fraud monitoring - we’ll warn you of any suspicious activity on your account

Chip & PIN technology for added security whenever you use your card

Visa is widely accepted in the UK and abroad

Convenient for paying online and over the phone

Apply here for a Vanquis Visa

prepaid mastercard

Pixpay the owners of Crystal prepaid MasterCard have been in the prepaid market for several years and are one of the largest gift card providers in the US, At the beginning of this year we launched the Crystal prepaid MasterCard it is an exciting new reloadable Chip & PIN entrant into the prepaid MasterCard market.
Receive thousands of discounts

With thousands of free discounts when you use your card through our partners Crewise. Such as Marks & Spencer, Boots, Haven Holidays, The AA, Thorpe Park, Ascot Racecourse Ltd and many many more for further details see link.

Total Application process Control

We are in full control of our application process which makes us unique as most of the prepaid card companies do not have this facility, This enables us to process applications quickly and efficiently that the hard work you have done are converted to the full potential.

International URU Check

The Crystal Card is simple to apply for on-line and we need either an international passport number or a UK driving licence together with a UK address. We process all applications through international URU, which ensures that all applicants are actual sales; this cuts down the limitation of fraud

What does it cost?
It only costs £9.99 to get your card with a monthly fee of £2.99 to get access to all of the card features. This can be paid online or by another card or via SMS at HSBC PayZone or coming soon activation vouchers and top up vouchers that can be sold at retail outlets.

Loading your card?
The Crystal Card can be loaded free via BACS and standing order; additional loading can be done at HSBC, 140,000 retail outlets worldwide, by SMS, online, over the phone and top up vouchers,
*If you have retail outlets please contact us direct to get activation vouchers and top up vouchers

Who would want one?

The card is not just aimed at those who do not have access to a MasterCard / credit or debit card facility such as individuals with debt / credit problems, bankrupt or recent immigrants to the UK.
It is aimed at the everyday person so they can budget their expenditure for those who do not want to extend credit card bills. An alternative to using a bank account to have wages paid or to manage expenses control paid onto the card from employers. More importantly they have access to thousands of discount where soon we will be able to extend on the discounts based on card spends giving long-term customer value.

• No risk of debt - spend only what you have
• No credit checks or bank account required. 100% approval of all applicants above the age of 18 (Below 18 need parental consent)
• Shop anywhere in the world where MasterCard® is accepted - on the Internet, over the phone and on the high street
• Accepted at 25 Million retail outlets and Million ATM’s Worldwide
• Shop securely with Chip and PIN
• 24/7 balance enquiry phone line and online account management
• Top Up at over 140,000 locations across the worldwide
• Top Up online with a credit or debit card
• Have your wages paid directly to your card by your employer
• Transfer money from any bank account to your card
• Have 3 cards on one account
• Available in £, $ and €
• Maximum limit £6,000 per account

Who would want the Crystal MasterCard?

Crystal™ MasterCard has numerous uses as:

An Everyday convenience card for those who
o Don’t have a bank account and need a home for their money
o Are newcomers to the UK, don’t have a credit rating and need plastic
o Are going abroad and prefer to carry cash on a card
An Online Internet Payment Card for those who
o Wish to shop online but don’t have plastic
o Are worried about online fraud
o Feel that online shopping is subject to potential fraud
The Online Gaming card for those who want to
o Indulge in the latest gaming online and be able to control what you spend
o Limit their financial exposure by not using their credit card
o Protect their identity online
The Payroll card for those
o Employee’s who want their wages to be paid on a card and save cheque cashing fees
o Employer’s who want to pay their staff using a card instead of cash/cheque

Apply online here.

capital one classic card

Been refused a credit card? The Capital One Classic credit card  is ideal for customers looking to strength their credit rating. Credit limits range from £200. (Typical APR 34.9%).

bad credit loans

Individual Finance is one of the UK’s leading unsecured tenant loan brokers, specialising in £500-£20,000 loans for people with bad credit or CCJs. We deal with over 15,000 loan applications every week, and help people get credit even if they’ve been refused elsewhere

Both tenants and homeowners can apply through one simple online application form. Applicants must be UK residents, over 18 and in some form of employment.

Click here to apply online now.

why do i keep getting declined for credit

Why do I keep getting declined for credit?

No-one has an automatic right to credit.

 Individual lenders use their own criteria when deciding whether or not to lend you money, but they rely heavily on data supplied by credit reference agencies.

Credit reference agencies are commercial companies which compile information from a number of different sources, including the electoral roll, county court judgements and financial institutions.

They sell this information to lenders and other service providers in the form of credit reports which help them to decide whether to grant an application for a loan, credit card, or provide another financial product.

The three credit reference agencies operating in the UK are Experian, Equifax and Call Credit.

Agencies hold personal information taken from previous credit applications. This includes your name, date of birth, current and recent addresses.

The agencies will hold the following data about you -

• Your name & Date of Birth
• Information found from the Electrol register
• Credit payment history
• County court judements
• Bankrupcy
• House repossessions

Even if you have not been turned down for credit, it is a good idea to check your file regularly - perhaps once a year - to ensure the information held is correct.

Lenders use all three agencies so you need to contact each of them.

Under the Data Protection Act, credit reference agencies must provide you with a “Statutory Credit Report” for a fixed fee of £2. You need to provide your full name, date of birth, current address and former addresses for the previous six years.

Credit repair

There are a number of firms that promise to “repair” your credit for a fee, but the Financial Services Authority (FSA) says consumers should be very wary about using their services.

Under the Data Protection Act, credit reference agencies are obliged to correct mistakes, or add a Notice of Correction to your file without charge.

In addition, debt advice charities such as National Debtline and the Consumer Credit Counselling Service can offer free advice about dealing with debts, county court judgements and borrowing money with an imperfect credit history.

Products which take an alternative approach and may consider you -

Been refused a credit card? The Capital One Classic credit card  is ideal for customers looking to strength their credit rating. Credit limits range from £200. (Typical APR 34.9%).

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