What's your Lloyds internal score?

iAMaLONDONER

I've just enquired about my internal score and it seems that I've been upgraded to a risk band of 1- having discontinued stoozing my student OD since January. However the lady seemed a little discombobulated as there weren't any offers available for me

zerog

iAMaLONDONER wrote: »

I've just enquired about my internal score and it seems that I've been upgraded to a risk band of 1- having discontinued stoozing my student OD since January. However the lady seemed a little discombobulated as there weren't any offers available for me

You may start to see some offers on 17th March

This is speculation based on anecdotal sources so don't think too much into it

iAMaLONDONER

zerog wrote: »

You may start to see some offers on 17th March

This is speculation based on anecdotal sources so don't think too much into it

Many thanks, I'll have a look around the 20th( when scores are updated)

YorkshireBoy

iAMaLONDONER wrote: »

Many thanks, I'll have a look around the 20th( when scores are updated)

I had a guaranteed Platinum card offer appear last Thurs/Fri, the 6th/7th, so maybe there's no set date at all?

iAMaLONDONER

YorkshireBoy wrote: »

I had a guaranteed Platinum card offer appear last Thurs/Fri, the 6th/7th, so maybe there's no set date at all?

What part of IB are Lloyds offers located? i don't think I know where they are

dr_adidas01

iAMaLONDONER wrote: »

What part of IB are Lloyds offers located? i don't think I know where they are

Usually at the bottom of the main screen where your accounts are listed.

If there's nothing there then they don't want to offer you anything yet.

iAMaLONDONER

dr_adidas01 wrote: »

Usually at the bottom of the main screen where your accounts are listed.

If there's nothing there then they don't want to offer you anything yet.

Many thanks!

QwilteeBing

If your account on the screen shows CPD or CBD, you are not getting any 'Lending' from the bank. CBD is an instant decline, as this is Credit Bureau Data and so the bank has done a Credit Check and they have said it doesn't look good.
I'd also be careful about being "offered" Credit Cards through the post etc, as this is often sent out by Marketing with no reflection of your account rating.

iAMaLONDONER

QwilteeBing wrote: »

If your account on the screen shows CPD or CBD, you are not getting any 'Lending' from the bank. CBD is an instant decline, as this is Credit Bureau Data and so the bank has done a Credit Check and they have said it doesn't look good.
I'd also be careful about being "offered" Credit Cards through the post etc, as this is often sent out by Marketing with no reflection of your account rating.

I'll bear that in mind if I ever get an application in the post!

reclusive46

QwilteeBing wrote: »

I'd also be careful about being "offered" Credit Cards through the post etc, as this is often sent out by Marketing with no reflection of your account rating.

Thats not quite true. Sometimes they send out guaranteed credit card mailings, which they don't even do a credit check. Just fraud and identity check.