I am looking to purchase a car next year but after I made an inquiry I was told that my credit scoring is in the negatives. I am only 24, have never had an account. When I tried opening a clothing account I was again told about my scoring.
Apparently FNB temporary loans (3 of R400) and Wonga loans have dented my scoring. Someone suggested that I lay-bye something to show a good payment record before I can apply for an account. I thought that having money in my account for the loans to be debited would be good enough, unfortunately it doesn't work that way.
Please advise on how to get my credit scoring up to be able to purchase a car? Would a cellphone contract help, as FNB is offering one. This is all really confusing.
Janine
Apparently FNB temporary loans (3 of R400) and Wonga loans have dented my scoring. Someone suggested that I lay-bye something to show a good payment record before I can apply for an account. I thought that having money in my account for the loans to be debited would be good enough, unfortunately it doesn't work that way.
Please advise on how to get my credit scoring up to be able to purchase a car? Would a cellphone contract help, as FNB is offering one. This is all really confusing.
Janine
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