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Credit account
magicmikeoriginal
Posts: 3 Newbie
MSE forum newbie so im sorry if this is posted in the wrong place.
Last night i was going to open up a littlewoods account and got to the stage after you have a credit check and your ready to sign, but i wanted a night to think about it so i come off it and went back on today to set it up and its denying me saying that they can not give me a credit account on this occasion after a credit check. Would this be because i had a credit check last night and passed but because i didnt accept last night i have to wait a while before my credit check will allow me to open an account?
All suggestions would be helpfull and once again sorry if this is the wrong place to post.
Last night i was going to open up a littlewoods account and got to the stage after you have a credit check and your ready to sign, but i wanted a night to think about it so i come off it and went back on today to set it up and its denying me saying that they can not give me a credit account on this occasion after a credit check. Would this be because i had a credit check last night and passed but because i didnt accept last night i have to wait a while before my credit check will allow me to open an account?
All suggestions would be helpfull and once again sorry if this is the wrong place to post.
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Comments
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Possibly, but I doubt this would be the case. Your best option would be to check your credit file using either Noddle or Experian - personally I would use Noddle.
Do you have any arrears \ missed payments \ CCJ's - are you on the electoral role and have you been in your job \ current address for a while. All of these will have an impact on your credit rating.0 -
My credit score should be fine, the only things ive ever had in credit is my mobile phone contract and i pay that early every time. its just confused me how last night i was able to and it would let me however today it wont, Thankyou for your reply0
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You don't have a credit score, at least not a meaningful one. The number that Experian et al give you (in exchange for money) doesn't mean anything...mainly because they don't lend money!magicmikeoriginal wrote: »My credit score should be fine
Only having one credit account is not a good thing. Lenders like to see several (but not too many!) well managed accounts, both active and settled. That's what builds a credit history/rating (not "score").the only things ive ever had in credit is my mobile phone contract
Have you considered giving them a ring? Maybe the first application actually went through, or someone there can overturn the second application rejection.its just confused me how last night i was able to and it would let me however today it wont0 -
Ill try giving them a call, thankyou for your help0
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Littlewoods (Shop Direct Group) search Equifax not Experian nor Call Credit.
Regards
Steven0
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