Declined Halifax Student Account REALLY WORRIED

dr_adidas01

bmwboi99 wrote: »

@ BASFORDLAD: I looked at my credit rating on credit expert or one of those other ones i cant recall the exact name

So you have looked at that magical made up number the credit agency has given you and assumed it was good?

That number means absolutely jack !!!! in reality. Lenders look at how you run your other accounts, your credit to debt ratio and if your overstretched on your other financial commitments.

You may also not fit the personal criteria they are looking for for the account type you applied for.

badger09

bmwboi99 wrote: »

however this application was declined and i am now very worried incase it has damaged my credit rating which was excellent before this.

i want to veiw my credit report however i dont want it to come up that ther have been too many veiws on it as this also reduces it

any advice would be greatly apprechiated

thanks in advance

Have a read of this, which should dispel some myths.


http://www.moneysavingexpert.com/loans/credit-rating-credit-score