catalogue accounts

never-in-doubt

debtdestroyer007 wrote: »

rose, does it show in both experian and equifax, because, in the short term you could target the agency with no lates showing?

it would if the lender reports to both and most do report to both, even though they may only search one.

stikiuk

never-in-doubt wrote: »

12mths..... although experian keep it for 6yrs it shouldn't be used after a year. were they consecutive or random missed payments? if consecutive then ooops..... :eek:
.

They were random

debtdestroyer007

never-in-doubt wrote: »

debtdestroyer - please can you do me a fave and stop pitching the silly cards. If you continue then i'll disassociate myself from you because your recent actions are causing concern. Neither the Barclays Platinum nor the Cash Plus was suited in either case and you;re sounding like a spammer.

friendly advice. Up to you how you take it.

? spammer?
just based on my experience mate but point taken. all's cool

Rose123

never-in-doubt wrote: »

it would if the lender reports to both and most do report to both, even though they may only search one.

Yep, reported to both but only searched equifax

Stop knowing so much NID, lol, although that is like common sense in the credit world, lol

never-in-doubt

debtdestroyer007 wrote: »

? spammer?
just based on my experience mate but point taken. all's cool

mate i'm just saying it looks that way..... why suggest one of the hardest cards (after amex) to a person with no cards? its bonkers! they need sub prime like barclays initial/aqau things like that to start their credit rating.

The card you suggested would be an auto decline for failed criteria/score.

debtdestroyer007

never-in-doubt wrote: »

mate i'm just saying it looks that way..... why suggest one of the hardest cards (after amex) to a person with no cards? its bonkers! they need sub prime like barclays initial/aqau things like that to start their credit rating.

The card you suggested would be an auto decline for failed criteria/score.

thats cool buddy...
just that when i had got accepted, this was my credit file
orange 12 payments on time
tmobile 12 payments on time
barclays current account - 6 payments on time

no credit card......

never-in-doubt

debtdestroyer007 wrote: »

thats cool buddy...
just that when i had got accepted, this was my credit file
orange 12 payments on time
tmobile 12 payments on time
barclays current account - 6 payments on time

no credit card......

Yes fair point but it is a very hard card to get...... may have worked for you, not everyone mate. That advice could mean someone that genuinely needs help could waste a search..... see where i'm batting from?

debtdestroyer007

never-in-doubt wrote: »

Yes fair point but it is a very hard card to get...... may have worked for you, not everyone mate. That advice could mean someone that genuinely needs help could waste a search..... see where i'm batting from?

of course mate.......

def wise to take it slow and then hit mainstream,

Parki_2

Anyone know how RBS internal scoring works?

Rose123

Parki wrote: »

Anyone know how RBS internal scoring works?

Another interesting question