Credit Check for Bank Account

marathonic

I recently got declined for a Santander 123 Current Account based on the credit check. I've no missed payments but have a very short credit history (credit card for a little over 6 months and a mortgage for 3 months).

I wasn't on the electoral registrar but will be from next month. Is it worth applying for a First Direct or Halifax account at that point or should I let the recent search age a little first?

[Deleted User]

marathonic wrote: »

I wasn't on the electoral registrar but will be from next month. Is it worth applying for a First Direct or Halifax account at that point or should I let the recent search age a little first?

That's probably your problem. I'd wait a few months.

RoxRoxBling

I've seemed to get rejected by two banks for 'more than your basic bank account', and really think it is to do with my credit score
I'd wait a few months since the last search a bank would have done. Because searches leave 'footprints' and the more you have they view you as desperate - (not my words!!!)