Tsb internal credit scoring

Thrugelmir

Chrisj000 wrote: »

I applied online for a £100 overdraft as a kind of buffer

Probably isn't worth the bother to vet you for such a small sum.

MABLE

Thrugelmir wrote: »

Probably isn't worth the bother to vet you for such a small sum.

If its any consolation I applied for a small overdraft facility with them when I first joined them and was rejected. However probably because I have a £10k facility with Lloyds and £3.5 with Nationwide.

Its so unfair!!!!!!!

Chrisj000

Spoke to them today,there's a marker on my account saying credit beuroe data.is that the same or worse than Lloyds cpd I've been reading about

GingerFurball_2

Have you any defaults or any adverse accounts held elsewhere?

Chrisj000

GingerFurball wrote: »

Have you any defaults or any adverse accounts held elsewhere?

Yes 2 defaults almost 6 years ago,I thought they disapeared after 5 years but it's 6 March and April 2015 they should come off.
Hopefully Tsb will remove the marker then

teffers

Chrisj000 wrote: »

Yes 2 defaults almost 6 years ago,I thought they disapeared after 5 years but it's 6 March and April 2015 they should come off.
Hopefully Tsb will remove the marker then

Similar to me. I have 2x defaults (paid) that drop off next year.

I have several PLUS accounts I have maxed out with TSB, I applied for an overdraft earlier in the year and when I spoke to the lady on the phone she seemed a bit 'Why do you need an overdraft when you have £XX in the accounts ?' .

In the end I gave up because, in reality, she was right

The most recent PLUS account was issued with a Contactless card so I don't know if it's simply a case of me being with TSB over a year now - especially as I've just been accepted for a TSB Platinum card.

LplateSaver

Chrisj000 wrote: »

Just done a loan quote came back as 27.9%.

Aww I've just done one too and it gave me 29.9% I hope that's a reflection on my low student income and not my internal score because I run my 3 accounts really well.

thebritishbloke

ceredigion wrote: »

I'm in for 29.9%:eek:
on the home page it say's 4.9%.

Just checked mine, I've got two Classic Plus accounts with them that are both filled with £2k each. I got offered 29.9%.

I'm good, thanks!

teffers

thebritishbloke wrote: »

Just checked mine, I've got two Classic Plus accounts with them that are both filled with £2k each. I got offered 29.9%.

I'm good, thanks!

Mine came out at 24.9% I feel so special lol :money:

MABLE

teffers wrote: »

Mine came out at 24.9% I feel so special lol :money:

I feel even more special because mine was 23.9 percent.