Help! Credit Card damaged my credit rating

Saints2011

unborn_chicken wrote: »

Hi all

Thanks to everyone who wrote helpful advice!!!

I would say all of the answers you have been given is helpful advice, depends if you listen!

Taken from a Experian doc: > Just in case you didnt listen

"Can I find out my credit score?
You do not have a single credit score or rating. Different organisations take different
information into account when working out your credit score and may have different
scores for different products.
When you apply for credit, organisations do not have to tell you exactly how they work
out their credit scores but should give you a basic explanation of how scoring works
and tell you whether your application has been refused because of your credit score and

whether this involves the information held on your credit report."

unborn_chicken

Hi Saints,

Not sure why you think I didnt find everyones advice useful - that is why I thanked everyone thanks for your input anyhow..

unborn_chicken

very enlightening about the whole credit score thing...i am currently paying to see it...and it recommended me a card I was likely to be accepted for - which I was - after several unsucessful applications...

BoGoF

By the way, can I ask what a CDL is?

BoGoF

unborn_chicken wrote: »

very enlightening about the whole credit score thing...i am currently paying to see it...and it recommended me a card I was likely to be accepted for - which I was - after several unsucessful applications...

The only important thing on your credit file is the data so don't pay for scores anymore.

Tixy

career development loan (at a guess)

unborn_chicken

Hi,

yes - it's a careet development loan

If I get rejected for one- lots of plans out of the window. I need to think of a backup plan just in case.


hmmmm....

unborn_chicken

for goodness sake!

So i've had my credit card 2 months - paid off in full each time - yesterday my credit score was 'fair' at 804, and its suddenly dropped to its worst of 'very poor' the next day that i paid off the balance!!!

Any help please?

meer53

unborn_chicken wrote: »

for goodness sake!

So i've had my credit card 2 months - paid off in full each time - yesterday my credit score was 'fair' at 804, and its suddenly dropped to its worst of 'very poor' the next day that i paid off the balance!!!

Any help please?

My advice is, stop looking at your credit score.

It doesn't mean anything, did you actually read Saints2011s post ?

malcolmffc

Perhaps you won't need a CDK if you stop wasting £5.95 a time on these meaningless credit scores!