Credit searches

YorkshireBoy

shortbackandsides wrote: »

...as in january it was a decline...sainsburys

In that case I'd avoid any cards issued by Bank of Scotland.

i thought you can re-apply like 6 months later

Depends on the lenders' 'policy rules'. There's a guide here...

http://www.stoozing.com/cards.php

...detailing re-apply times, but these are following account closure - not application decline.

That table also details the relationships, ie who owns who. Make sure you familiarise yourself with it before potentially wasting an application.

what cards would you suggest

I'd start at the top of this table...

http://www.stoozing.com/0fees.php

...and work down. But don't forget to cross reference your shortlist with the 'who owns who' table referenced above.

Good luck.

shortbackandsides

YorkshireBoy wrote: »

In that case I'd avoid any cards issued by Bank of Scotland.Depends on the lenders' 'policy rules'. There's a guide here...

http://www.stoozing.com/cards.php

...detailing re-apply times, but these are following account closure - not application decline.

That table also details the relationships, ie who owns who. Make sure you familiarise yourself with it before potentially wasting an application.I'd start at the top of this table...

http://www.stoozing.com/0fees.php

...and work down. But don't forget to cross reference your shortlist with the 'who owns who' table referenced above.

Good luck.

Cheers YB

by the looks of those cards think i applied for most of them with cross reference,YB sorry to go on but if you were in my shoes now would you wait until say april then apply for maybe tesco again then or even sainsburys,by the sounds of it at the moment after not applying for anything in the last 8 months i would be gutted to now be turned down,what what would you do

YorkshireBoy

shortbackandsides wrote: »

what what would you do

Already answered last night in post #18.

Marksfish

shortbackandsides wrote: »

YB what cards would you suggest,no missed payments ever or late,no ccj,no,default,nothing negative just those 10 searches 8-10 months ago,5 k debt,25k income must be someone who will accept me

Have you ever considered appealing any of the rejections? In the past, I have been refused by computer, then followed up with a copy of my credit file and a request for the decision to be reviewed. It has always worked in my favour when being reviewed by a human!

That said, not all lenders are using credit agencies at the moment. I was rejected (in the process of appealing) by Lloyds on the basis I have a current account with them that is underused (expenses paid in/ out to keep separate from my main account). I read their generic rejection letter which didn't explain how they came to their decision, as they are supposed to do, and purchased 2x paper copies from the two big companies. When the searches did not show on either of my reports, they then said it was a decision based on in house information!!

Mark

BugsyBrowne

Haircut 100 did you apply for anything in the end?