How to obtain credit reports

sfax

Other lenders only see searches too not whether they were successful applications (although this could be inferred to an extent by seeing if you have a credit agreement starting shortly after the search). I would try to stick to 2 searches max in a 6 month period (particularly if both were rejected)

Valeria12

Yes, I have a same problem I don't know to get information of my credit cards, I think you have mention a very useful information, I m sure it will definitely help me.

metroseal

Can i see record of my credit report for details prior to 2006 and if so how do i view them as i believe i took a loan from lloyds in 2005 but cant see further back than 2006 now on my report

sfax

metroseal wrote: »

Can i see record of my credit report for details prior to 2006 and if so how do i view them as i believe i took a loan from lloyds in 2005 but cant see further back than 2006 now on my report

It only goes back 6 years which, I believe, is all the lender is obliged to keep legally, and therefore all they will supply to the CRA

black_taxi_2

applied for 1st ever credit card to use for purchases only--better protection

Flights/holiday(these days any company can go under)

I hav no debt/property valued 100k--21k left to pay

Wage 20k net

Barclays refused me a credit card/said they looked at equifax
How do I find out why I was refused?

thx

sfax

black_taxi wrote: »

applied for 1st ever credit card to use for purchases only--better protection

Flights/holiday(these days any company can go under)

I hav no debt/property valued 100k--21k left to pay

Wage 20k net

Barclays refused me a credit card/said they looked at equifax
How do I find out why I was refused?

thx

Barclays are unlikely to give you any more information than telling you the CRA. I think they search both Experian and Equifax so I would order your £2 statutory reports from both of these agencies.

Check your electoral roll information is up to date and that are no late payments or incorrect information

If all is in order, it could just be that this is your first credit card. You may need to set your sights lower than Barclaycard and build up a credit card repayment history with a sub prime lender for a couple of years

black_taxi_2

Credit report electoroll address where I live is diff from postal address but its the same address--bizzare

Flat 1f3 14 somewhere terrace v 14/5 somewhere terrace

Also hav me to a link address where I lived 17 years ago

sfax

black_taxi wrote: »

Credit report electoroll address where I live is diff from postal address but its the same address--bizzare

Flat 1f3 14 somewhere terrace v 14/5 somewhere terrace

Also hav me to a link address where I lived 17 years ago

If you are applying with your postal address, there is a potential problem if this doesn't match up with the electoral roll. Which address do your credit agreements show?

I assume that you select the PAF post code lookup address and don't type in your address manually when you apply?

black_taxi_2

Councils community charge which they use for electoral roll is diff from postal address

Catch 22

Postcode doesn't match

black_taxi_2

Equifax use council but credit card only use postal

This could run for months before sorted