Your credit rating
is largely based on your track record of paying back credit successfully. It doesn't matter all that much how much you owe; indeed a person who owes a lot but religiously makes the payments every month without fail is a pretty safe bet to lend money to, as you know you'll get it back. That's what credit ratings assess.

Yours is poor because you can't point at any evidence you'll pay back the money if you borrow it. There is a logic there.
( Olembe Refuses to write in this space, Fri 23 Jan 2009, 14:03, 1 reply)

T'is weird
I understand what you're saying however find it surreal as aforementioned (imaginery) pikey scum can get a "good" credit rating merely for not paying back their loan repayments and myself who has never had problems with credit **because I never got them in the first places choosing to budget on what I can or cannot afford** has a next to nil credit rating.

Alas, such is life is it not?
(Helo, Fri 23 Jan 2009, 16:29, closed)

The answer
get one small loan sometime. One where you have the money to cover it, for something you would buy anyway. ~£200ish perhaps. Then pay it back.
(Not him., Sun 25 Jan 2009, 11:27, closed)