Creation Card yes-no ?

guesswho2000

Agnimuse wrote: »

Hi Planteria. Thank you for your reply.

Could you let me know please which CRA did they pull your credit file from during the application? And if you had any information regarding the scores needed for them to approve you.
Thank you in advance!

As mentioned numerous times, there is no 'score'. The numbers EQ/EX/CC give you are meaningless, and will always be so, unless they start dishing out credit themselves. Actual lenders have their own criteria, which nobody apart from them knows.

As for which CRA Creation use, Equifax in my experience, no others, for the purposes of searching. They report to all three.

Agnimuse

Deleted_User wrote: »

You don't have a score. You don't need a score. No one sees the score. The score is irrelevant. You can have any score you want.

Oh, one more thing. Ignore the score.

Zx81 so when do I know it's the right time for me to apply for a credit card or loan?
Especially in case they do not have a quotation service on their site?
Also how accurate quotations are? If i was accapted by quotation does that mean I would be approved if applied?

tidds

The best time to apply is..... when you have a requirement. Not just for fun? Consider the purpose for the loan/credit card and look at the available options to you. Many do have a eligibility checker, so it's a good starting place. Perhaps if you could give us more information on what you're looking to do there would be potential for us to help further.

P.s ignore your credit score, they mean nothing to lenders.

tanya2014

They declined me.
I have a Barclaycard