Re: credit cards
Try getting one of those credit history checks, as things that have nothing to do with you can have an effect on getting CC's.
I tried for a capital one card, but was turned down, even though I have a loan and CC, all of which are paid on time, and no missed payments on anything.
My friend was turned down for a CC, and when she did a credit check, it turned out that her brother had missed payments on his loan and CC, and was a bad debter in general, and the credit check saw that there was a bad debter linked with my friends address, and she was rejected on this basis.
She had to prove that it was her brother that had the debt and not her, then the card was granted.
It's a stupid way of working really, as people who dont even live at you're address anymore can have an effect on you're credit history.