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Credit Reference Agencies - Really Use Who UPDATE II

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  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    greenmantle wrote: »
    Yes!! I started out with those! Then they switched me to the Gold card in '97. Oh boy....

    What would be the advantage of switching to the current Mastercard version?

    I doubt there will be much on offer for switching - moreso just to get upto date! If you closed the gold down and opened a new one you'd get 15 months at 0% on BT's and 3mth at 0% for spends..... :confused:
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • greenmantle
    greenmantle Posts: 190 Forumite
    edited 22 June 2009 at 4:24PM
    ! If you closed the gold down and opened a new one you'd get 15 months at 0% on BT's and 3mth at 0% for spends.....
    Yes good points, thanks. Have hesitated acting over this, as the BT rate is useless to me currently, and even the 0% on purchases is currently not that urgent, but it's a good suggestion and I might visit my branch to sound them out on a) my behaviour score and its (incidental!) relevance to their mortgage offers, and b) the advantages of updating credit.

    Checking in, though, to report back that I obviously got a happy underwriter who didn't hold mismanaged late payments in 06/07 against me, and the Coop Platinum has been approved. :T Not sure about limit for the time being - they may be cautious to start...

    Good for monthly odd expenses and emergencies abroad. I feel a bit more confident about my credit credibility now, as I suspect this might possibly be a 'high-rating'-ish card ... :D
    Now: off-set mortgage *up-and-running*...
    *official Mortgage-free wannabe* :beer:
    Then: Epic graduate debts paid off, 2006-2009
  • sscott5581
    sscott5581 Posts: 663 Forumite
    Part of the Furniture 500 Posts
    bump bump:j:j:j
  • danielanthony
    danielanthony Posts: 517 Forumite
    Britannia mortgages check Experian only.
  • hove_park_bench_bbc
    hove_park_bench_bbc Posts: 26 Forumite
    Have Abbey, Santander changed there credit agency?
    They credit checked me 2 months ago for a basic account.
    No 'footprint' on Experian.
    Last week asked for an upgrade. Credit searched, turned down.
    Asked Experian, nothing on file
    Puzzled?
  • seeya23
    seeya23 Posts: 2,330 Forumite
    do you have a behaviour score with barclays
  • Cash_Flow
    Cash_Flow Posts: 1,103 Forumite
    seeya23 wrote: »
    do you have a behaviour score with barclays

    Yes everyone has one:D
  • londonuk2008
    londonuk2008 Posts: 1,101 Forumite
    Virgin mobile are using Equifax.
  • londonuk2008
    londonuk2008 Posts: 1,101 Forumite
    also Creation Loans (part of Sygma bank) are using Equifax to search.
  • PNPSUKNET
    PNPSUKNET Posts: 4,265 Forumite
    just checked my credit file, orange now report to call credit
This discussion has been closed.
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