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My annual credit report ......
oscar52
Posts: 2,272 Forumite
.... just looked at this, and apparently, i have no recent searches or footprints. However, I recently applied for both MSDW and IF cards to balance transfer (not both at same time - rejected by one so tried other)
However, there are no footprints from these on my file. Anyone know if these companys use an "in house" scoring system prior to assessing your application? If so, is it worth applying fro an M&S LOB rate?
Also on my credit report, there is no mention what so ever of Natwest, who i do have a CC with.
On the plus side, I can see there were a few late payments to barclaycard (some i dont remember) so i will be getting some charges back at least (and from what i can work out, given its a very low credit limit, it should virtually clear the account)
However, there are no footprints from these on my file. Anyone know if these companys use an "in house" scoring system prior to assessing your application? If so, is it worth applying fro an M&S LOB rate?
Also on my credit report, there is no mention what so ever of Natwest, who i do have a CC with.
On the plus side, I can see there were a few late payments to barclaycard (some i dont remember) so i will be getting some charges back at least (and from what i can work out, given its a very low credit limit, it should virtually clear the account)
No Longer works for MBNA as of August 2010 - redundancy money will be nice though.
Proud to be a Friend of Niddy.
no idea what my nerdnumber is - i am now officially nerd 229, no idea on my debt free date
Proud to be a Friend of Niddy.
no idea what my nerdnumber is - i am now officially nerd 229, no idea on my debt free date
0
Comments
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Also, something else I just noticed, I have 4 late payments logged from Barclaycard - two 1's and a 2 (one monte late, 2 month late) even though at that time, it states i had a ZERO balance - why would i pay them if i didnt owe them. - wait till statements come i suppose, see thenNo Longer works for MBNA as of August 2010 - redundancy money will be nice though.
Proud to be a Friend of Niddy.
no idea what my nerdnumber is - i am now officially nerd 229, no idea on my debt free date0
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