My new experian credit score

MyRubyRed

Ive just been taken in by the Experian credit score offer and paid cos my curiosilty was getting the better of me. Wish I'd checked here first and saved myself the cash!!

nickmack

Moggles wrote: »

Lowering limits leaves no record on your credit file of the former more generous one. Nor will your credit files show they were reduced at your request (as opposed to the lender's decision).

I agree that you can't tell whether the limit was lowered as the result of a request by the customer or enforced by the provider.

However, you can see credit limit history from some lenders (MBNA is one) on your report, as well as markers for Minimum Payment, Promotional balance, Number of cash withdrawls and Amount of cash withdrawls.

Innocent_Guy

Only my Vanquis card it report

Jan - Limit £250 - Balance X
Feb - Limit £250 - Balance X
Mar - Limit £250 - Balance X

and so on.

I have check my OH for here B/C and it is

Jan - £2750
Feb- £2750
Mar - £5100

This is only on Equifax..

Innocent_Guy

nickmack wrote: »

I agree that you can't tell whether the limit was lowered as the result of a request by the customer or enforced by the provider.

However, you can see credit limit history from some lenders (MBNA is one) on your report, as well as markers for Minimum Payment, Promotional balance, Number of cash withdrawls and Amount of cash withdrawls.

Likewise, My report shows the above