We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 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!

Recently cleaned credit report - will I obtain credit?

Options
I have recently got my credit score sorted from having an application declined, due to ghost searches and incorrect names on my credit report.
My equifax is 'good' (454) and Experian is 'fair' 871. I am still in conversations with one bank to remove the random searches that they have logged that I didn't authorise, so another search could go against me, I want to know whether people think it is safe to apply for a credit card now for a balance transfer of £4000.

Any advice greatly appreciated.

Marianne

Comments

  • CLAPTON
    CLAPTON Posts: 41,865 Forumite
    10,000 Posts Combo Breaker
    what do your credit reports actually say
    what are your debts
    what is your income
  • stephane_2
    stephane_2 Posts: 3,076 Forumite
    Your score with Experian or Equifax is absolutely meaningless....stop wasting your money.
    You'll only get accepted for a credit card all depending on your actual financial situation in terms of your income, current level of debt, repayment history, employment etc....no one here will be able to tell you for sure if you'll be accepted or not. If you feel that your current situation is appropriate then all you can do is to try and see what happens
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
  • 350.8K Banking & Borrowing
  • 253K Reduce Debt & Boost Income
  • 453.5K Spending & Discounts
  • 243.8K Work, Benefits & Business
  • 598.6K Mortgages, Homes & Bills
  • 176.8K Life & Family
  • 257K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K 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.