Declined application from Halifax

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I took the advice from the tips on here, I have an excellent credit score from experian (978),with halifax showing up as the best one to apply for 0%.....
Did one of your 'will I be accepted' as they dont show up on my scoring.came back as 90%.....
Went to Halifax, filled out all the blurb,30 seconds later...'sorry you have not been successful'
So now I have a search on my credit history, now tarnished,no explaination as to why, and I took YOUR advice on here!!!!!
Not happy :mad:
Rob
«134

Comments

  • CherlokHomes
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    You didn't take any tips or advice from this site because if you did you'd of realised that your score from CRA's are totally meaningless numbers!

    Bit more info needed.

    What's your credit history like?
    "You know when it's cold outside when you go outside and it's cold"
  • Picky
    Picky Posts: 100 Forumite
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    Other lenders cannot see a rejection - they can only see that a search has taken place. Lots of searches in a short space of time tarnish credit scores, not just one.
  • dotdash79
    dotdash79 Posts: 1,069 Forumite
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    how much debt have you got, Loans, other cards, mortgage?

    What's the credit limits?

    income?

    Any late payment, defaults, arrangements to pay, CCJs?

    Are you on the electoral role?
  • opinions4u
    opinions4u Posts: 19,411 Forumite
    edited 16 January 2014 at 3:53PM
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    ClokeR wrote: »
    I took the advice from the tips on here, I have an excellent credit score from experian (978),with halifax showing up as the best one to apply for 0%.....
    Did one of your 'will I be accepted' as they dont show up on my scoring.came back as 90%.....
    Went to Halifax, filled out all the blurb,30 seconds later...'sorry you have not been successful'
    So now I have a search on my credit history, now tarnished,no explaination as to why, and I took YOUR advice on here!!!!!
    Not happy
    Rob
    Seriously weird.
  • ClokeR
    ClokeR Posts: 7 Forumite
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    dotdash79 wrote: »
    how much debt have you got, Loans, other cards, mortgage?

    What's the credit limits?

    income?

    Any late payment, defaults, arrangements to pay, CCJs?

    Are you on the electoral role?

    Thanks for all your replys.......
    Electoral role...yes I'm English for 57 yrs born here
    No late payments of any kind
    Income..30k
    Mortgage.10k left
    credit limits.only have one card.....1500 limit...850 owing

    So if we have an experian credit score,whats the point in having one if they are meaningless???

    And I have not applied for any credit in the last 2 yrs or so

    And just for the record,I did take advice from here and no where else, using this sites criteria for application of a card showed me as good 90% with any application.................

    So what can I do then apply to another card company?
  • MallyGirl
    MallyGirl Posts: 6,666 Senior Ambassador
    Photogenic First Anniversary Name Dropper First Post
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    90% means that 1 in 10 will be rejected.

    You are that 1 in 10.
    I’m a Forum Ambassador and I support the Forum Team on the Pensions, Annuities & Retirement Planning, Loans
    & Credit Cards boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.
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  • ClokeR
    ClokeR Posts: 7 Forumite
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    MallyGirl wrote: »
    90% means that 1 in 10 will be rejected.

    You are that 1 in 10.

    Just bad luck then eh!
  • Tixy
    Tixy Posts: 31,455 Forumite
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    ClokeR wrote: »
    So if we have an experian credit score,whats the point in having one if they are meaningless???

    The point of credit scores sold by experian is to make experian money.

    The acceptance checker on the main MSE site is based on probabilities. And for every 10 people who are given an indicative 90% probability of being accepted on average one will be declined. It is never guaranteed you will be accepted.

    One search on your credit files will not tarnish your reports.

    You could try applying for a different card elsewhere - who do you bank with? do they offer a 0% credit card (is it 0% on purchases you were hoping for or 0% on balance transfer).
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • guestman
    guestman Posts: 191 Forumite
    First Anniversary First Post Combo Breaker
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    and in other news - I went into Halifax today to take advantage of the free £100 and with my crap credit history I was accepted :D , despite a 14k loan default on my file
  • MrSilk
    MrSilk Posts: 1,504 Forumite
    First Anniversary First Post Combo Breaker
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    guestman wrote: »
    and in other news - I went into Halifax today to take advantage of the free £100 and with my crap credit history I was accepted :D , despite a 14k loan default on my file

    Happy days!! :T :T
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