TSB classic plus account

zak2012

Hi, i been trying to get TSB classic plus account for nearly a year now and each time i try they refuse it,they just tell me something wrong with my credit file and they gave my cash card account but its useless becuase i want get %5 intrest from classisc plus. im confused i have no problem with any other bank when ever i apply for account i gt current account but only TSB rfuse to offer one.when i go to thier branch they tell me to call thier phone line and when i call thier phoneline they tell me go to thier branch for more details,so how i fix this?
im sure they just got wrong info about me because my credit file is all clear no debt.

SnowTiger

zak2012 wrote: »

im sure they just got wrong info about me because my credit file is all clear no debt.

Have you had a look at all your credit files to see if there's a problem?

There's three agencies to check: Experian, Equifax and CallCredit.

You can check your Equifax file for free via ClearScore and your CallCredit file for free via Noddle.

zak2012

SnowTiger wrote: »

Have you had a look at all your credit files to see if there's a problem?

There's three agencies to check: Experian, Equifax and CallCredit.

You can check your Equifax file for free via ClearScore and your CallCredit file for free via Noddle.

I just cheaked on Clearscore, i have 350 points, 9 positive and 1 negative. the one negative say " You have no active credit card accounts"" what this mean? so just beucase i didnt apply for credit card they marked as negative?i can apply for credit card should i do?

about TSB what should i do now?is 350 points enough? or should i print the report?and take to thier tsb branch? sorry im confused dont understand this clearscore system etc..?

20aday

zak2012 wrote: »

I just cheaked on Clearscore, i have 350 points, 9 positive and 1 negative. the one negative say " You have no active credit card accounts"" what this mean? so just beucase i didnt apply for credit card they marked as negative?i can apply for credit card should i do?

about TSB what should i do now?is 350 points enough? or should i print the report?and take to thier tsb branch? sorry im confused dont understand this clearscore system etc..?

What did Noddle say in terms of your report history? And Experian?

You need to ignore the score of 350 points, that means nothing I'm afraid as they don't lend to your. TSB will have their own credit profiling system which will never be disclosed to the general public.

If your other two reports don't show up anything untoward that leads to TSB declining you then I do think you are right in heading to the branch and appealing the outcome.

In terms of a credit card, managed well and used responsibly, they can help towards a more positive credit report (especially if you decide to opt for finance/mortgages etc) in the future.

zak2012

20aday wrote: »

What did Noddle say in terms of your report history? And Experian?

You need to ignore the score of 350 points, that means nothing I'm afraid as they don't lend to your. TSB will have their own credit profiling system which will never be disclosed to the general public.

If your other two reports don't show up anything untoward that leads to TSB declining you then I do think you are right in heading to the branch and appealing the outcome.

In terms of a credit card, managed well and used responsibly, they can help towards a more positive credit report (especially if you decide to opt for finance/mortgages etc) in the future.

sorry im confused do i have to cheak all or other si.e noddle and others? i thought clearscore would be enough?

Kim_13

Use the cash card account for a few months and then try to upgrade. It'll help build up your internal score and they may then give you the Classic Plus.

Experian, Equifax (ClearScore) and Call Credit (Noddle) each have different data potentially, so it's important to check all three.

zak2012

Kim_13 wrote: »

Use the cash card account for a few months and then try to upgrade. It'll help build up your internal score and they may then give you the Classic Plus.

Experian, Equifax (ClearScore) and Call Credit (Noddle) each have different data potentially, so it's important to check all three.

i just checked Noddle. it says 594 points and 3/5 what this means?

and there is section where you can print report,can i print and take to bank? thanks

YorkshireBoy

You're not checking the number!...you're checking the data contained within the report.

So is it accurate? Up to date? All your accounts showing? On all 3 agency reports?

each time i try they refuse it,they just tell me something wrong with my credit file and they gave my cash card account

So how many of these have you got now? Or did you close them down?

SnowTiger

Your ClearScore and Noddle scores are a bit on the low side. I know people here say they're meaningless, however they are indicative of problems.

In your case the problem might simply be your lack of credit history.

zak2012

YorkshireBoy wrote: »

You're not checking the number!...you're checking the data contained within the report.

So is it accurate? Up to date? All your accounts showing? On all 3 agency reports?So how many of these have you got now? Or did you close them down?

Yes all reports r correct. and it shows all my bank accounts. /phone contarts etc... there is no prblem or no red mark in report. and up too date. and yes i still use cash card from Tsb and i have few currnet accounts with other banks.but im intrested in TSB classic plus for the intrest. can i print off the Noddle report and take it to Tsb branch?or who i need to speak?

YorkshireBoy

zak2012 wrote: »

Yes all reports r correct. and it shows all my bank accounts. /phone contarts etc... there is no prblem or no red mark in report. and up too date. and yes i still use cash card from Tsb and i have few currnet accounts with other banks.but im intrested in TSB classic plus for the intrest. can i print off the Noddle report and take it to Tsb branch?or who i need to speak?

Others may be able to confirm or deny, but one possibility is that there was an initial problem a year ago with your first application...but the fact you now have a cashcard account somehow precludes you from opening a full-feature Plus account?