Ok, so if i start from the begining you will understand.
at 19 I got myself some store cards while i was working. then my job folded and i was unable to meet payments (which i told them) and they still slapped that ever so lovely interest on which got me deeper into debt.
It took me a while to get another job in my area so when i finally got a job my credit rating has gone non existant. I paid a chunk off on one but it still didnt do nothing to the amount i owe due to a "broken promise fee" which also included a charge as well which inevitably gave me £30 worth of charges.
But i want to move out and rent my own place soon but obviously without a credit rating i wont be able to any tips on trying to bring my credit rating up??
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