barcley card declined

carlos700

I had a look at my credit report in oct last year around that time we had applied for quite alot of credit as in swapping morgage for a better deal and getting better deals for loans .Suddenly we started being declined for credit when i looked at credit score it said poor.I have just had another look at my credit file and now its saying excellent so i thought great i will try to get a 0% balance transfere from barcley card and they have declined.Are barcley card hard to get credit is it worth trying another company ?any suggestions

thesaint

I would ignore and stop paying for anything on your credit file that says"poor"or"excellent".

It is only a basic indication and not anything that you can't do yourself.

Have a look at your credit report and see what is on there that lenders would not like. Make steps to rectify if needed.

Rafter

Each lender has it's own credit score card and an 'excellent' rating does not necessarily mean you will get accepted anywhere.

Things to check.

Are you on the electoral roll

Have you moved recently

Have you changed job recently or gone self employed.

Do you have any defaults, late payments or county court judgements?

Have you any late payments marked on your file?

Do you have a lot of existing but unused credit cards?

Do you have balances on your credit card greater than 25% of your annual income?


All these might trigger declines from certain lenders.

R.