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Financial institutions rely heavily on credit scores when deciding whether to offer credit to customers and negative information can make it impossible to qualify.

If you are refused a loan or credit card it could have a further negative impact on your credit score.

You are nearly 80 and say you may not have time to build up a credit record.

You say all you want is your full credit history recorded by credit reference agencies.

When you register on one of Qpid Network's member sites, our system will generate a Qpid Network account for you, a common access account with a common ID - your Qpid ID - between all Qpid Network's member sites. No matter with which site you register on, your profile and photo will be saved and maintained with Qpid Network.

You can sign in to all our sites using this same Qpid ID (or registration email) and password you created during registration. Qpid Network only maintains ONE profile and your personal information is used interchangeably between all member sites.

There are three major credit reference agencies in Britain: Equifax, Experian and Callcredit.

Don’t ever assume that the information they hold on your file is correct, particularly if you are planning to apply for a mortgage, loan or credit card.

Barclaycard had responded that you could opt to have your details sent to the credit reference agencies from now on but these could not be backdated.

The bank offered you £50 for the inconvenience but you felt it was fobbing you off and turned it down.

book by telephone: 02 " data-l8n-us=" credit card readings: 18 Our credit card calls cost for 30 minutes or for 20 minutes.

Higher rate for calls from payphones and mobile phones.

4.6 Limitations and Refund Policy Your Qpid Account is a shared account between member sites of Qpid Network – Asia Me.com, and

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