OR interview monday

MrsWallop

we have our OR interviews on Monday, and I go before Mr, so im dreading it cos he is better at this sort of thing than I am!

Most things are explainable, and we have the lists of creditors, what we owe etc, however we havent taken out any credit etc for well over 12 months, and the OR has asked for dates of credit taken out.
TBH, most of it was years ago (when CCs were opened), the latest was a loan christmas before last at the recommedation of the bank manager :mad: .

Do I need to find all of theses dates? or will they delve for me if i dont know? I have the last year or so statements for everything, but they odviously dont tell me when we took the credit out!
(havent used any credit AT ALL for well over a year btw)

thanks in advance - and thanks so far for all your help given through my hubby, Wallopadonkey :beer:

DON79

Hi MrsWallop, I still have to go through my OR interview so I can't really tell you what they need or what to expect but just wanted to say.......all the best to you both for Monday, hope it goes well for you.

MrsWallop

:grouphug: Thanks Don, and thanks again for the welcome!

peachyprice

All we were asked at our interview was the last time we'd used our ccards, nit individually, in general. Although sime OR have been a bit more thorough.

Which OR office is it? Perhaps someone else has been interviewed by them.

MrsWallop

Our OR is based in Chester.
We have phoned them with queries a couple of times, and they have been most helpful and really really nice - just hope i get a nice one on Monday!

dalip

Well hello mrs wallop. Very pleased to meet you:D .


If you don't know the exact dates just give a rough idea and explain why you are not sure. If they need exact dates they will find them. I seem to remember someone saying ages ago that the OR does a credit check,not sure if thats definate though.

Try not to worry too much,they are only human;)

wallopadonkey

does the free experian check list these things? like when we opened them etc??

anyone got the link to hand?

MrsWallop

Thanks Dalip - pleased to meet you too!

Ive got as much to hand as i can, and they do seem nice enough there, so fingers crossed i guess.
was hoping not to be on tooo long to them - have 3 little ones at home, baby being breastfed, and they always create as soon as i get on the phone :mad: Luckily Mr is home to help as much as poss, but ill be relying on him to help me with answers as it is all joint debt!

dalip

yes i used experian to get the correct dates. Mine went back 18 years and i was way out on some on my SOA:o . Sorry don't have the link.Dx

philnicandamy

wallopadonkey wrote: »

does the free experian check list these things? like when we opened them etc??

anyone got the link to hand?

http://www.moneysavingexpert.com/banking/credit-rating-credit-score#check