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    • Danny68
    • By Danny68 7th Jul 17, 2:41 PM
    • 7Posts
    • 0Thanks
    Danny68
    Some advice please. Self Employed to Full Time
    • #1
    • 7th Jul 17, 2:41 PM
    Some advice please. Self Employed to Full Time 7th Jul 17 at 2:41 PM
    Hello guys,

    I'm a new member. Been getting used to the site, before posting.
    Anyway, I applied for 3 credit cards back in March/April, All accepted..all prime cards. HSBC, Yorkshire Bank and Nationwide.

    I have held a charge card for 6 years. Ran if perfectly. that was my only credit, up until receiving the credit cards. I hope to get a mortgage next year, hence the need to improve my standing. I always pay everything off by d/d and in full.

    I applied for the credit cards as a self employed person, been working for the same company for approx 6 years (contract)..Now they have taken me on as a full time member(was several weeks ago. (got a nice salary increase) etc..

    What do i do now? Should i call all the companies to let them know...send in my new contract, update my change of circumstances on the eligibilty sites. i joined them all, thanks to this site's invaluable info ..Clearscore, MSE club, and Noddle.

    I may be able to update my change of circumstances online with one of the companies. The reason I ask is I read on this forum, that we can be refused credit if a cc company or National Hunter etc
    spots something in applications that doesn't add up. ie wage increase ..status change etc. from a previous application.

    Sorry for rabbiting on. Just want to be as clear as i can, I want to get my mortgage without any hiccups. Let me know if I have missed anything.

    Thanks for your time
    Last edited by Danny68; 07-07-2017 at 2:45 PM.
Page 1
    • zx81
    • By zx81 7th Jul 17, 2:45 PM
    • 12,538 Posts
    • 12,703 Thanks
    zx81
    • #2
    • 7th Jul 17, 2:45 PM
    • #2
    • 7th Jul 17, 2:45 PM
    No, don't worry. They won't be interested.

    Just put current status on any new applications
    • Danny68
    • By Danny68 7th Jul 17, 2:49 PM
    • 7 Posts
    • 0 Thanks
    Danny68
    • #3
    • 7th Jul 17, 2:49 PM
    • #3
    • 7th Jul 17, 2:49 PM
    Thanks zx81 for your prompt reply. What about my current/ new credit card providers. Should i let them know of my salary increase and change of circumstances? .i will update the MSE club and others. I'm guessing my eligibilty may improve?
    • zx81
    • By zx81 7th Jul 17, 2:54 PM
    • 12,538 Posts
    • 12,703 Thanks
    zx81
    • #4
    • 7th Jul 17, 2:54 PM
    • #4
    • 7th Jul 17, 2:54 PM
    Again, they're not really interested now you're a customer.

    Most won't even have the ability to make the change.
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