Hard credit check affect

JamesBro

Hi,

I'm looking at getting a CC and have been given a score of 921 by Experian. I am in the process of beginning to get a mortgage so would like to get as high a credit score as possible. However, I don't want to deter my score too much by getting a credit card (ie having the hard check on my history) either. So I'm weighing up whether it's a small cost for a bigger gain, or whether, given that I'm hoping to speak to lenders within the next few months, I should just stay away from them?

Cheers.
James.

[Deleted User]

Your score is absolutely meaningless. Experian don't provide credit. If you want a high score, either never take out credit, or alternatively, go bankrupt. Both will give you a lovely high score, but of course, you'll never get a mortgage.

Regular use of a card is the best way to build a credit history.

ashp_2

It's not really advisable to apply for any credit within 6 months of a Mortgage application. That said it's not a deal breaker, I'm not sure why you want to get a CC if you are planning on apply for a mortgage.

The fact you have a score of 921 is irrelevant. Is the info within that is important.

DCFC79

JamesBro wrote: »

Hi,

I'm looking at getting a CC and have been given a score of 921 by Experian. I am in the process of beginning to get a mortgage so would like to get as high a credit score as possible. However, I don't want to deter my score too much by getting a credit card (ie having the hard check on my history) either. So I'm weighing up whether it's a small cost for a bigger gain, or whether, given that I'm hoping to speak to lenders within the next few months, I should just stay away from them?

Cheers.
James.

If Experian rate you highly then ask them for a mortgage.