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Halifax - O/D + Charges. Defaulted account and closure.
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For example yesterday, I did a "soft-search" application with NatWest, over the phone to see the rates/types of mortgage they could offer me. I understand this is a very basic search but it came back with a very high risk of decline.
Haha yes, Natwest will say that. I have an excellent credit rating without a blemish on it. However Natwest will not give me any credit as I used to go over my agreed overdraft limit back in 2004-2007 when I was a student.
This seems to be their flawed internal ratings.
I can get excellent credit with anyone else.0
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