Credit advice/financial advice please!
I’m getting frustrated with being rejected for credit cards and loans. I’ve never had debt or been late on any payments.
Before my disability got this bad I had two decent paying full time jobs and a starter part time job in my teens while I was in full time college.
I have an Argos card which I have used to buy multiple household appliances up to £450, always paid off on time or early. We currently have a sofa on finance, again never missed a payment/paid late.
Apparently my credit rating is low and I am being rejected for everything! The only reason I can think of is the fact that I am unemployed due to disability, which seems incredibly unfair for ill/disabled people unable to work.
Any advice on improving my credit score? If I talk to companies in person will they make exceptions?
I’m 27 and I live in a rural area. I went to a psychologist because I’ve been puzzled as to why I haven’t reached normal life milestones. Never could drive, high school and my only semester of college was way too hard, never had a girlfriend, difficulty making friends, etc. I have OCD, Major Depressive Disorder, anxiety, poor vision, and a cognitive disability and an IQ of around 80. I have such difficulty learning and retaining new information. I spend my days in the house sleeping because I don’t want to face the day.
Trees shrouded in endless cloud and fog. Shot on Whistler Mountain in British Columbia, Canada [OC] [1443 x 1804] Social: @mikemarkov