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Not taking no for an answer!!
Mav3rick
Posts: 2 Newbie
Hi
Just wanted to share my news, after years of meticulously managing debt from a previous relationship and turning my credit score around from very poor to excellent I've finally suceeded in achieving the financial goals I set myself.
I've been able to move away from sub prime credit cards, I don't owe anyone a bean and I sleep a lot easier at night. My confidence as also increased, recently I applied for a Santander 123 account and was declined on the basis my credit record wasn't good enough. I appealed the decision based on the fact my credit score is 986, there have been no missed payments in over 2 years and my outgoings in comparison to my salary are low.
Today the account with Santander was opened :money:
Just wanted to share my news, after years of meticulously managing debt from a previous relationship and turning my credit score around from very poor to excellent I've finally suceeded in achieving the financial goals I set myself.
I've been able to move away from sub prime credit cards, I don't owe anyone a bean and I sleep a lot easier at night. My confidence as also increased, recently I applied for a Santander 123 account and was declined on the basis my credit record wasn't good enough. I appealed the decision based on the fact my credit score is 986, there have been no missed payments in over 2 years and my outgoings in comparison to my salary are low.
Today the account with Santander was opened :money:
0
Comments
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Well done.
Let's hope that that shiny new account now has a balance that increases each month, making it ever less likely that you'll be knocked back into debt by the next emergency.0 -
Well done, but you should know that your credit score - 986 - is just Experian's opinion of your credit file. Nobody else knows or cares about that number.What will your verse be?
R.I.P Robin Williams.0 -
Hi
Just wanted to share my news, after years of meticulously managing debt from a previous relationship and turning my credit score around from very poor to excellent I've finally suceeded in achieving the financial goals I set myself.
I've been able to move away from sub prime credit cards, I don't owe anyone a bean and I sleep a lot easier at night. My confidence as also increased, recently I applied for a Santander 123 account and was declined on the basis my credit record wasn't good enough. I appealed the decision based on the fact my credit score is 986, there have been no missed payments in over 2 years and my outgoings in comparison to my salary are low.
Today the account with Santander was opened :money:
Your credit score can't have gone from poor to excellent as you don't have a credit score. Nor was the randomly assigned number 986 a factor in your application.
Congratulations on successfully appealing though.0 -
Take on board the comments around credit scores - however this was my measure of progress throughout the repair process..0
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