Poor Credit History Credit Cards

How poor credit history credit cards work...

A poor credit rating can be a burden to carry around, fortunately you are not alone and there are options available to help.

If you have been turned down from past credit card applications, a credit card specialised for a bad credit history could be an ideal way to get your finances in order and boost your credit score.

How do you get a bad credit rating?

Many factors contribute to the demise of a credit score, including:

• Failure to pay a past credit card bills
• Outstanding loan or mortgage arrears
• County Court Judgements
• Not being registered to vote (believe it or not this can also count against you)

How can I find out my credit score?

CreditExpert.co.uk by Experian offers a 30 day free monitoring service. This is not only a great way to monitor your credit rating effectively, it can also alert you to any potential errors in your credit rating, that you aren't accountable for - banks make mistakes too!

If you don't have access to a computer - or feel more comfortable dealing with things by post - there are credit card scoring associations that can offer the same service by post - for a small fee (usually a couple of pounds).

The two main companies that offer this facility are:

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