We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

LloydsTSB "My Offers"

1235»

Comments

  • Saints2011
    Saints2011 Posts: 933 Forumite
    I wouldn't apply until next month, it will auto decline .
    Can I find out my credit score?
    You do not have a single credit score or rating. Different organisations take different information into account when working out your credit score and may have different scores for different products. (Kindly from Experian)
  • MoneySaverLog
    MoneySaverLog Posts: 3,232 Forumite
    I'll wait until June or a offer appears on my internet banking then.
  • Saints2011
    Saints2011 Posts: 933 Forumite
    I would. At least its not been credit scoring externally as such. When your ready to apply go into the branch and get them to check / show you before you apply (CINS).

    Good luck ;)
    Can I find out my credit score?
    You do not have a single credit score or rating. Different organisations take different information into account when working out your credit score and may have different scores for different products. (Kindly from Experian)
  • MoneySaverLog
    MoneySaverLog Posts: 3,232 Forumite
    The silly banners have come back where the "My offers" should be, I'm not happy now. Does this mean my account has gone back to the way it was.
  • Saints2011
    Saints2011 Posts: 933 Forumite
    It doesnt always show pre approved offers on IB anything on IB I would take as a pinch of salt.
    Can I find out my credit score?
    You do not have a single credit score or rating. Different organisations take different information into account when working out your credit score and may have different scores for different products. (Kindly from Experian)
  • MoneySaverLog
    MoneySaverLog Posts: 3,232 Forumite
    Oh well, the lady in the branch said she and her manager could not understand why, as my internal score has now gone up from a 1B to a 1A now, why it's declined.

    I said it may have something to do with applying too soon since a rejection, She did say she would keep an eye on my account for me and give me a bell when I should apply again.

    After that I called up the credit card line too and they tell me to wait 6 months before re-applying, they could not discuss any further today as the details are not in any kind of format that the new applications team can see yet and told me to call them back again tomorrow.
  • Saints2011
    Saints2011 Posts: 933 Forumite
    Please dont get hung up on the 1A this mainly applys to Loans and the APR. :)
    Can I find out my credit score?
    You do not have a single credit score or rating. Different organisations take different information into account when working out your credit score and may have different scores for different products. (Kindly from Experian)
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 354.3K Banking & Borrowing
  • 254.4K Reduce Debt & Boost Income
  • 455.4K Spending & Discounts
  • 247.3K Work, Benefits & Business
  • 604K Mortgages, Homes & Bills
  • 178.4K Life & Family
  • 261.5K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.