Halifax Clarity Card - Rejected Application

getmeoutofhere

YorkshireBoy wrote: »

741 on the first and 922 on the 2nd (unsurprisingly!).


And I have available credit over twice my "good salary" and (stoozing) debt of well over my annual salary.


They're simply a gimmick...as you now realise, hopefully?


But seriously, can you not see the flaws in those "tests"?...especially if you got the same scores on each, when the second asks for vastly less info?




EDIT: I see checkmyfile suggested 3 cards I may be accepted for. Now, forgive me for being sceptical, but I wonder if applying via there will earn checkmyfile a referral payment. Actually, I don't wonder...I know. Click one of your suggested cards to see.


I think I'll rest my case there. Good luck in your search for a comparable card (or your appeal to Halifax).

Thanks for the continuous patronising put downs, all I've been trying to do is look for ideas why Halifax saw me as high risk when I know my credit reports suggest otherwise. Think I'll call it a day.

YorkshireBoy

getmeoutofhere wrote: »

...been trying to do is look for ideas why Halifax saw me as high risk when I know my credit reports suggest otherwise.

You last saw your credit report (from one of three CRAs) 12 months ago, according to your OP. Now you're saying you've checked the others as well (you now say reports)?


Everyone on here is telling you/will tell you not to pay any attention to random numbers/words generated by people who are looking to profit from you (Experian via their monthly subscription/score purchase, and checkmyfile via referral payments). I can understand you (now) don't feel good about being conned like this, but at least you now know that these numbers/words mean nothing.


Like I say, good luck.

virgo17

getmeoutofhere wrote: »

Thanks for the continuous patronising put downs, all I've been trying to do is look for ideas why Halifax saw me as high risk when I know my credit reports suggest otherwise. Think I'll call it a day.

I don't think anyone here is trying to 'put you down'.

They are simply stating that a CRA score is irrelevant. The way that Halifax scores your application bears no relationship to any score a CRA will provide you with.

Basically, if they don't see you as a profitable customer, for whatever reason, they will likely reject you.

Thrugelmir

getmeoutofhere wrote: »

plus have other cards

Existing credit facilities available \ number of cards are now factors in making decisions.

chanz4

Pile of rubish checkmyfile, says 827 score. I own my house no debt and even have american express card.

bigadaj

chanz4 wrote: »

Pile of rubish checkmyfile, says 827 score. I own my house no debt and even have american express card.

Well if you pay me £13.99 a month I'll give you a 9999 credit score, far better than experian, call credit or equifax obviously as it's a far bigger number!

noh

Thrugelmir wrote: »

Existing credit facilities available \ number of cards are now factors in making decisions.

I successfully applied for the Halifax Clarity card within the last three weeks. (I didn't think I would get it)
I have 6 other credit cards with available credit of approximately 160% of my income although the outstanding balance is next to nothing.
I have 19 bank accounts with around £6000 available overdraft none used.
I have 5 current accounts with Halifax three are Reward accounts. They make no money from me as I simply run £1k from my overdraft facility through the accounts to qualify for the 3 £5 reward payments.
I own my house outright so no mortgage.
There must be something that offsets the effect of multiple accounts and large available credit.

bigadaj

noh wrote: »

I successfully applied for the Halifax Clarity card within the last three weeks. (I didn't think I would get it)
I have 6 other credit cards with available credit of approximately 160% of my income although the outstanding balance is next to nothing.
I have 19 bank accounts with around £6000 available overdraft none used.
I have 5 current accounts with Halifax three are Reward accounts. They make no money from me as I simply run £1k from my overdraft facility through the accounts to qualify for the 3 £5 reward payments.
I own my house outright so no mortgage.
There must be something that offsets the effect of multiple accounts and large available credit.

It could be your self effacing wit and charm.

noh

bigadaj wrote: »

It could be your self effacing wit and charm.

I think you're right it's the only thing it could be;)

Thrugelmir

noh wrote: »

I successfully applied for the Halifax Clarity card within the last three weeks. (I didn't think I would get it)
I have 6 other credit cards with available credit of approximately 160% of my income although the outstanding balance is next to nothing.
I have 19 bank accounts with around £6000 available overdraft none used.
I have 5 current accounts with Halifax three are Reward accounts. They make no money from me as I simply run £1k from my overdraft facility through the accounts to qualify for the 3 £5 reward payments.
I own my house outright so no mortgage.
There must be something that offsets the effect of multiple accounts and large available credit.

May not have reached Halifax yet but a noticable change is on it's way........