Nationwide Soft-Search

BugsyBrowne

TastyTeeth wrote: »

And once its gone, everything get's a whole lot easier.

Since my last one has dropped off a few weeks ago, I've been accepted for both a Nationwide card and a Barclaycard Platinum card. Both accepted at 19.9% APR with very good limits.

I'll be replacing my Vanquis and Capital One cards with these and closing both accounts, as the job they have done is now complete.

Oh well I suppose it's a bit like a druggie leaving rehab the first thing they do is find the nearest dealer.

TastyTeeth

BugsyBrowne wrote: »

Oh well I suppose it's a bit like a druggie leaving rehab the first thing they do is find the nearest dealer.

That's a bit uncalled for! Very unfair frankly :mad:

I've been to hell and back in the last six years. I've learnt a lot of important life lessons.

If you think that me getting approved for these cards is a route back to what has been, then you're sadly mistaken.

Honestly, people like you need to get a life...

john10001

I believe I may have one default on my credit file recently which wasn't my fault buy a bank error (they refunded two lots of £12 fines).

What is the cheapest way to check my credit file to remove any listed defaults?

Once I have a copy of my credit file from the 3? different companies, if/when I notice any default how do I then go about getting them to remove it from the file?

I am hoping to close down an overdraft and balance transfer to a low rate card to pay off the outstanding debt but I also believe I will probably be rejected unless I get rid of any incorrect default notice on my credit files.

Out of interest does anybody know how far back they check for defaults before they would not reject you? Is it 6 months?

TastyTeeth

Firstly you need to check your credit files. All the agencies offer ways of checking your files.

ANY defaults (errors or not) will affect your ability to obtain credit, irrespective of whether they are 1 month or 5 years old.

rb10

john10001 wrote: »

I believe I may have one default on my credit file recently which wasn't my fault buy a bank error (they refunded two lots of £12 fines).

It takes more than a couple of £12 fees to get a default. You would know if you had defaulted, as the bank would send you a Notice of Default.

What they may have done is given a late payment marker, if (they believed that) you'd missed a payment.

Best thing to do would be to check your credit files, then, if it truely was an error on the part of the bank, ask them to correct your credit files.

john10001

Thanks guys. Yes I believe I did default on one of my cards because they increased the minimum payment without me realizing it (I pay all my cards every four weeks by standing order / 13 payments a year). It was originally an error on their part which they refunded the charges of £12 each but because they increased the min payment and my payment by standing order is fixed for the same amount every four weeks is snowballed and I believe I did get a default notice.

It will be useful to get the credit reports just to see what is on there and if there are any others anyway but would you also just follow up and write to that bank, or to the ombudsman again to get that removed? Or is it something I would now have to do?

And do you know the addresses for Call Credit, Experian and Equifax that I write to and send the £2.00? On their websites I can't seem to find that information only the route they want you to take by signing up for their more expensive reporting services.

john10001

Ignore me. I have found the information staring right at me on their websites. I googled their company name followed by "address" and "£2".

wiganwayne

just out of interest, other than it doesnt show on your credit report,

what is the difference between a full search and a soft search?

what exactly is looked at in a soft search??

Cash_Flow

wiganwayne wrote: »

just out of interest, other than it doesnt show on your credit report,

what is the difference between a full search and a soft search?

what exactly is looked at in a soft search??

http://www.thisismoney.co.uk/money/cardsloans/article-2087839/Soft-checks-loans-credit-cards-Avoid-damaging-credit-score.html

Google is your friend;)

keeleyjadex

@john10001 - noddle.co.uk is a free credit check agency for life