Experian credit score PLEASE HELP!

Innocent_Guy

Quietgirl wrote: »

Hi Innocent Guy,

My credit raiting is not brilliant and I applied for a Flybe card, it comes in various bands, a, b & c, C being the highest intrest one, the card I got is 29% APR and they gave me a 2k limit, which I'll never use, I also got a Vanquis card with a shocking 59% APR with a £250 limit. I aim to use them to build up my credit record with lovely green 0's, but I shall pay them off each month so as not to incur interest. I got these from reading the sub prime credit card thread.

Quietgirl

Thanks Quietgirl I deffo take a look

sa1

Hi all

i have a great credit score with call credit and experian but in dispute with equifax about an illegal entry by crapquest, am thinking of applying to flybe for a credit card, can you tell me please if flybe use experain or eqifax or both?

If flybe use just experian and not equifax i can apply for a card.

thanks

and306

Flybe only checked equifax for me,my credit file is pretty good for equifax score 858,i got 3k limit and band c which is 24.9%.

sa1

thanks for reply

exel1966

InnocentGuy, why are you hung up on people posting their worthless credit scores ?

These scores provided by the CRA's are near enough meaningless are are just a score based upon averages. There is no such thing as a national score of this nature, therefore a true rating can never be achieved. Quite simply the CRA's are lulling the public into a false sense of security and making an awful lot of money from providing these figures.
All lenders score very differently based upon information provided by the CRA's and what may be classed as significant (high scoring) to one lender may not be to another.

DO NOT waste your money in paying for these scores.

moneysavingallday

Innocent_Guy wrote: »

HSBC - They say the system doesn't automatically recommend it so I have a 95% chance of being rejected

I'm with that bank and in your same position almost exactly and the exact same thing was said to me. I applied anyway. I got approved for £2900.

moneysavingallday

Quietgirl wrote: »

I also got a Vanquis card with a shocking 59% APR with a £250 limit.

I am speechless.