Credit account

magicmikeoriginal

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.

Sinhanada

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.

magicmikeoriginal

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 reply

YorkshireBoy

magicmikeoriginal wrote: »

My credit score should be fine

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!

the only things ive ever had in credit is my mobile phone contract

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").

its just confused me how last night i was able to and it would let me however today it wont

Have you considered giving them a ring? Maybe the first application actually went through, or someone there can overturn the second application rejection.

magicmikeoriginal

Ill try giving them a call, thankyou for your help

sscott5581

Littlewoods (Shop Direct Group) search Equifax not Experian nor Call Credit.

Regards
Steven