Yorkshire & Clydesdale Banks offering £150 for switching

keiran

No, the Experian credit scores go from 0 to 999.

I have ongoing, free membership as I have had to complain for years about inaccurate information.
- I'd never pay for anything like this!

As has been mentioned, however, CRA credit scores mean little as lenders will have their own way of scoring.
Last week I got a Nationwide Flexaccount with a "fair" score of 732!

What does concern me is what Experian says about my score:-

""What does your Experian credit score mean?
Most lenders would view this score as high risk and would expect a high proportion of people in this category to have serious problems with repaying credit.""

I have never had a missed or late payment, across multiple accounts over 20 years or so.
The "poor" score given to me is entirely down to a high level of recent searches, and 3 credit cards being "stoozed"

mozzy10

Ed-1 wrote: »

Yorkshire Boy actually did 11 . I managed 13 but I think so many searches is having a knock-on

Can I ask what reasons you gave for all these accounts?

I gave up at 7 because I ran out of ideas and they were being very careful to write everything down I said.

Ed-1

mozzy10 wrote: »

Can I ask what reasons you gave for all these accounts?

I gave up at 7 because I ran out of ideas and they were being very careful to write everything down I said.

I said personal expenses, work expenses, household expenses, salary, spending and then went round again, and then again.

mozzy10

Ed-1 wrote: »

I said personal expenses, work expenses, household expenses, salary, spending and then went round again, and then again.

Wow, that sound so simple LOL

YorkshireBoy

mozzy10 wrote: »

Can I ask what reasons you gave for all these accounts?

In addition to Ed, I have a secondary income stream (or is it two? ). And also like Ed, I rinsed and repeated...quite a bit!

Also, the upside of a long work commute is that I pass within 2-3 miles of 3-4 YB branches. So no need for awkward telephone conversations where you can't see body language and sense how it's going. For example, I opened 2 accounts at a time wherever possible in branch. And whether it was possible depended on the rapport I'd established with the adviser.

Biggles

Hmm, I see to have screwed up on my second account (which was the Current Plus), in that I had omitted to transfer two DDs to my old account before switching.

The switch was a month ago; any idea if I'm still able to transfer two DDs to the Current Plus, or must they be part of the switch? Too late now?

[Deleted User]

Biggles wrote: »

Hmm, I see to have screwed up on my second account (which was the Current Plus), in that I had omitted to transfer two DDs to my old account before switching.

The switch was a month ago; any idea if I'm still able to transfer two DDs to the Current Plus, or must they be part of the switch? Too late now?

The DDs have to come across as part of the switching process.

Biggles

billbennett wrote: »

The DDs have to come across as part of the switching process.

Yeah, I suspected that. Bummer; still, I'll keep the account for future switching ;-)

SuperAllyB

Biggles wrote: »

Hmm, I see to have screwed up on my second account (which was the Current Plus), in that I had omitted to transfer two DDs to my old account before switching.

The switch was a month ago; any idea if I'm still able to transfer two DDs to the Current Plus, or must they be part of the switch? Too late now?

Assuming the account was opened before end of February (since 2 accounts is mentioned) then I'm almost certain DDs weren't a requirement.

If its since then you only get one bonus anyway.

Zanderman

SuperAllyB wrote: »

Assuming the account was opened before end of February (since 2 accounts is mentioned) then I'm almost certain DDs weren't a requirement.

If its since then you only get one bonus anyway.

DDs were definitely not a requirement on the original scheme, and yes, the later scheme only allows one bonus.

Perhaps, if Biggles set up a second switch on the old scheme, he/she should wait a while before worrying.

My second switch on the old scheme hasn't paid yet, but allowing for the Easter break is due to pay this week.