Banking Internal CreditScore

pcombo

Ok, maybe someone who works or has worked at a bank can answer this, Does all the banks have an internal credit scoring on customers and can communicate with each other etc. Cause i cannot get the most basic account out there it is so annoying.

michael1983l

pcombo wrote: »

Ok, maybe someone who works or has worked at a bank can answer this, Does all the banks have an internal credit scoring on customers and can communicate with each other etc. Cause i cannot get the most basic account out there it is so annoying.

I cannot answer your question specifically however the Co-operative who I bank with have told me directly that they run their own internal credit scoring system based on how i run my account. They automatically tell me the amount of credit I can have from them based on my current status. They will then give me that credit if I request it without checking my real credit file.