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Lloyds credit card online application
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There is no way they won't do a credit search otherwise everyone could load up with debt from one bank to the next. They will search at least one of the 3 agencies.0
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However they do get a regular feed from the credit reference agencies each month. Also whenever we have applied for a loan online with Lloyds we have never been credit searched but they appear to do a credit search if you go via a branch.
CorrectjonesMUFCforever wrote: »I disagree.
Internal ratings give an indication that with a clean credit file what facility might be offered - all lending applications for cards will be credit scored.
Incorrect.BugsyBrowne wrote: »What if someone had loads of debt outside the lloyds group, surely a credit search would be needed to check that the OP is not over borrowing compared to his salary.
Monthly feed, depends how long the account has been opened. Etc etc
(I've worked / trained underwriters at Lloyds, Halifax & BOS and understand how the system works)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. (Kindly from Experian)0 -
I don't think much of the training then LOL0
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jonesMUFCforever wrote: »I don't think much of the training then LOL
:rotfl:HahaCan 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. (Kindly from Experian)0
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