Halifax judge you by behaviour score only?

guesswho2000

BasicBankerDeamon wrote: »

I know this old but just incase anyone looks at it. Applying for an overdraft extention time and time again for instance twice in one day woul impact on your internal credit score. Pre-Approved offers are not certain although more likely.. I have an overdraft with NatWest of £15,000 only ever been around £6500 overdrawn and thought it was silly allowing myself to get there I also have a £5000 overdraft on my Lloyds joint account and 3 credit cards Halifax Limit £15400, NatWest Limit £22000, Tesco £20,000 I also have a next directory account with a limit of £10,000 I only earn £33,000 a year and my partner 3k lower so If we went upto our limits we'd never be able to pay it back. I have just taken on another job and we have also just been approved as foster carers. I am 25 I paid of my £380,000 mortgage a year ago. Me and my partner work hard. Althugh simpathetic to peoples situation I was taught from a young age there is never any reason to be in debt and I firmly believe that to be true... For people who think im boasting im really not I just wante to show you what the impactt of a good internal credit score could be.... xx

As the other thread, here, where you state you have terrible credit, :spam: reported.

BugsyBrowne

BasicBankerDeamon wrote: »

I know this old but just incase anyone looks at it. Applying for an overdraft extention time and time again for instance twice in one day woul impact on your internal credit score. Pre-Approved offers are not certain although more likely.. I have an overdraft with NatWest of £15,000 only ever been around £6500 overdrawn and thought it was silly allowing myself to get there I also have a £5000 overdraft on my Lloyds joint account and 3 credit cards Halifax Limit £15400, NatWest Limit £22000, Tesco £20,000 I also have a next directory account with a limit of £10,000 I only earn £33,000 a year and my partner 3k lower so If we went upto our limits we'd never be able to pay it back. I have just taken on another job and we have also just been approved as foster carers. I am 25 I paid of my £380,000 mortgage a year ago. Me and my partner work hard. Althugh simpathetic to peoples situation I was taught from a young age there is never any reason to be in debt and I firmly believe that to be true... For people who think im boasting im really not I just wante to show you what the impactt of a good internal credit score could be.... xx

Wouldn't be so bad if you actually knew what your talking about.

Ben8282

QuantumSuccess wrote: »

Also when I opened the account they gave me a debit card with no cheque guarantee facility. They just sent me a new card which is now a Cheque Guarantee.

How strange considering that the cheque gurantee scheme is no more.

QuantumSuccess wrote: »

Halifax also told me that I qualify for a credit card with a limit of £4000. But I was unable to get to the bottom of what they mean by that. The woman said it's pre-approved but when I asked if they'd do an external credit report I couldn't really understand her response. Do Halifax ever give out credit cards without doing credit check?

Did you accept her offer of a credit card? What was the actual reply which you couldn't really understand?