Credit report confusion and new credit card

Kms

"i know creditors dont use credit scoring."

"Start of the year i applied for a capital one, vanquis, aqua and virgin money credit card, most with 35-40% rate! and was declined!!"

"i know the credit score isnt taken into account, but is this score just a general reflection of my active accounts and not my defaulted accounts?"

Kms

DavidDebt wrote: »

If applying for any new credit I would check all 3. While most lender may only check with 1 of the CRAs they mostly report to all 3.

Statutory Credit reports plus Noddle = win

I just wish you could get instant online access(if identity checks pass) from experian like you can with Equifax / Call Credit rather than waiting 5 days or so!

Are you listening Experian?!?! :mad:

Helpful advice! Thankyou! :beer: