Repair Credit Score

Question: Credit Score low?

Im just wondering if anyone can help, im 19 years old. only ever had one thing on 'credit' a mobile phone contract i paid late a few times it went to a debt collection agencie i did however pay in full. Now i cant get anything what so ever on 'credit' a card or a upgrade at my bank and over 200 pounds a week enters my account.. Im really confused?

Answer: You need to re build your Credit Score,best way is to open a savings account, save cash regulary, you can also withdraw as long as it has money going in.
plus apply for 1 credit card as too many credit searches also damage your credit history, best card to go for is a bad credit one like capital one, DO NOT spend what you can't afford!!!. use it and PAY it off in FULL evey month on time.
It will take some time to re build your file but as long as you have regular savings, always pay billls on time etc it will re correct it self in around a year max 3 years (depending on how bad it is)
Also after around 6mths open a new savings account and transfer cash between these accounts regulary.

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