We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
general query re overdrafts
hadahardyear
Posts: 285 Forumite
Was just looking for some general advice really.
With Halifax overdrafts, if you were to have a generally not great credit rating (but on the rod t recovery) and applied for a larger overdraft and it was granted, it this reflected in your credit worthiness.
ie does it mean your credit rating is getting better or does it mean nothing, is it just internal?
With Halifax overdrafts, if you were to have a generally not great credit rating (but on the rod t recovery) and applied for a larger overdraft and it was granted, it this reflected in your credit worthiness.
ie does it mean your credit rating is getting better or does it mean nothing, is it just internal?
Save £300 in Jan £515/£300-Lose 10 lbs in Jan- 8/10,Cap One M/C £0/£200,Cap One Visa £0/£200
Aqua £470/£550, Vanquis £477/£1250,Bank of Dad £1668/£3500, legal aid £0 left, Littlewoods 0, Very £306/left,Choice £0/lefthave paid off in January 742.89
Aqua £470/£550, Vanquis £477/£1250,Bank of Dad £1668/£3500, legal aid £0 left, Littlewoods 0, Very £306/left,Choice £0/lefthave paid off in January 742.89
0
Comments
-
Not sure, as you would have more available credit/used credit v your income. I would have though a small OD reported as up to date on the CRAs would be as good as a large one.:beer:0
-
If you are already with the bank then they most likely wont go out to the CRAs but base their decision on how your account has been running.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.4K Banking & Borrowing
- 254.4K Reduce Debt & Boost Income
- 455.4K Spending & Discounts
- 247.3K Work, Benefits & Business
- 604K Mortgages, Homes & Bills
- 178.4K Life & Family
- 261.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards