Bad Credit

[pumpjack]

i have a noddle credit score of 520 ( poor ) so going by what others advise me on AB i applied for an aqua card to help build my credit, i was refused .
that was last week, then yesterday i went to o2 , i was on a sim only plan of £20 per month, so i took my chances and applied for a contract phnes etc, they passed me for a new phone with a 2 yr contract of £31.00 per month .

will this new contract help me in anyway to achieve a decent credit score in near future ?
i messed up badly 3.5 years ago with some debts but im looking forward to the futuire when i can try get myself a mortgage ...hopefully

[pumpjack]

my credit score mentions this below -
( What's going well?
Oldest credit account has been open a long time
No CCJs or bankruptcies
0 credit applications in the last 6 months )

also this below -
( What's holding you back?
Accounts in arrears )

[Peter Pedant]

I would pay £2 for a statutory credit score
and find out what the companies have against you

You need a string of zeroes ( all payments made in time on the accounts they monitor ) - and they go around in 24s - two years worth.

If you screwed up - as you say - you are probably in an IVA
and working back from that is difficult but can be done by doing what the rest of us do - pay the bills on time.....

[Peter Pedant]

o right - didnt see the extra bit

um - yep - as I said ....

[pumpjack]

no credit applications in last 6 months,, but im only after getting a new 2 year o2 phone contract ?