Guest Awesome Kong

Credit rating / Credit report

50 posts in this topic

Have you checked both your score and report before?

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But i swear i was told its bad for your credit history to check it

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But i swear i was told its bad for your credit history to check it

No it's not at all. You can view it as many times as you like as it doesn't count, but if you apply to lots of credit companies in a given period of time then other creditors can see this and that can be bad to your score.

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But i swear i was told its bad for your credit history to check it

give me your details. I'll make sure everything is a ok.

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used to check it all the time

now i dont

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You have to pay to see your general score/rating.

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they all offer 30 day free trails

experian www.creditexpert.co.uk

equifax www.equifax.co.uk

call credit www.callcredit.co.uk

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bump for later need to check my credit but every c*nt is trying to charge

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Thats the report not score.

score doesnt mean sh*t, theres absolutely no point buying it

all companies have different criteria and will take into account your credit report info, the info you give them (salary, marital status, children, renter or homeowner etc) and whatever info they already hold to generate their own score and use that to score you on whatever product you want. no one but they know what that criteria is and they vary wildly.

so you could have 1 credit product for 2 months and your score would say 900 or whatever, but try applying for a mortgage with that....

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CS David, the score means nothing.

CreditExpert score wont mean nothing to Barclays bank, each company does their own scoring systems.

At best it gives you a rough idea, if you have bare defaults then of course your "score" will be low and would be harder to get credit.

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Had a few late payments on my CC

need to check my report and see what the damange is

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scenario:

i have 50 bags as a 10% deposit for a 500,000 house. will the bank give me the remainder 450,000 even if my credit is sh*t, but im in a job?

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you MAY be able to get a sub prime mortgage of some kind

but the interest rates will make you cry

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Barclaycard's bureaucracy is jokes. I asked to raise my credit limit by £250 on my initial visa they said no under any circumstances.

I asked for a Gold visa it came in 3 days with 5 times my credit limit.

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^banks in general are funny.

"would you like an overdraft"

"no"

HERE HAVE 1K.

-_-

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