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Please can anyone advise?
andrewj_3
Posts: 2 Newbie
in Credit cards
Hello there, hope anyone can help me.
I currently have three cards all with around £1000 on them. I have recently applied to card issuer to try and put all the balances onto one and save some money. I was however refused, suggesting my credit score was to blame. I therefore joined experian and obtained my credit score which is good ( it was excellent but came down due to the credit search). I also obtained my credit score from equifax which is only fair. This is due to the fact that I missed three payments on a credit card 12 months ago due to divorce problems. What i cant understand is why it has penilised me so much on equifax and not experian. Incidently the company I applied to for a 0% balance transfer completed checks on both experian and equifax.
Can you please advise me on which card could possible accept my application as I am desperate to reduce my credit card bills.
Thanks in Advance
I currently have three cards all with around £1000 on them. I have recently applied to card issuer to try and put all the balances onto one and save some money. I was however refused, suggesting my credit score was to blame. I therefore joined experian and obtained my credit score which is good ( it was excellent but came down due to the credit search). I also obtained my credit score from equifax which is only fair. This is due to the fact that I missed three payments on a credit card 12 months ago due to divorce problems. What i cant understand is why it has penilised me so much on equifax and not experian. Incidently the company I applied to for a 0% balance transfer completed checks on both experian and equifax.
Can you please advise me on which card could possible accept my application as I am desperate to reduce my credit card bills.
Thanks in Advance
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Comments
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which three companies are you with?If you must lie, lie in the arms of the one you love. If you must steal, Steal away from bad company. If you must cheat, Cheat death.. and if you must drink, drink in the moments that take your breath away... x0
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Barclays, HSBC and Lloydstsb. I applied to Cap One.
Thanks0 -
For some reason Cap One seem to be getting really strict with there issuing of Credit Cards and Credit Cards increases... This may be the answerOfficial DFW Nerd Club - 616- Proud To Be Dealing With My Debts :cool:
If i am of any help, please let me know (By pressing the Thanks Button) :T0 -
Barclays, HSBC and Lloydstsb. I applied to Cap One.
Thanks
Right, i do not wish to pry into your personal finance of course, but do any of those cards have a 3000 limit on? it could be possible to pay the 2 off, with the one with the higest limit then to just have the one, though never use the other 2 again?
if not, try Yorskhire bank, they are very good with this sort of thing, and also natwest, so i hear.If you must lie, lie in the arms of the one you love. If you must steal, Steal away from bad company. If you must cheat, Cheat death.. and if you must drink, drink in the moments that take your breath away... x0
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