Credit club findings......

Rothstein

Hello all, im new here !


On signing up to the new service, I note that the eligibility checker gives higher eligability rankings than the actual company websites !, and that my Experian score is higher than my actual Experian account score on the same date


This is somewhat misleading, so would advise anyone to double check on the credit card company checker where available


a few other questions for those interested...........


I am keen to learn the correlation between who your main bank account is with and how it affects your application to other companies ?


I have recently discovered a neat trick in paying even £1 extra a month stops the "minimum payment" note being added to your file !


Finally, all those on here saying "Your score means nothing, random number " etc etc, I suspect they are either a little simple, don't quite understand how it works, or their scores are.............low !

[Deleted User]

Or work in the industry.

Rothstein

There are crap doctors, policemen, politicians...................so im pretty sure there are poor credit clerks too ?

DCFC79

The little trick you speak of isn't new to the forums, you've just discovered it late.

Rothstein

im all for learning, are you ?

ashp_2

Rothstein wrote: »

Hello all, im new here ! Hello, Welcome


On signing up to the new service, I note that the eligibility checker gives higher eligability rankings than the actual company websites !, and that my Experian score is higher than my actual Experian account score on the same date There is various teething issues with the new service


This is somewhat misleading, so would advise anyone to double check on the credit card company checker where available I agree


a few other questions for those interested...........


I am keen to learn the correlation between who your main bank account is with and how it affects your application to other companies ? Other companies don't see who your main account is with. The conduct of any account is what's important


I have recently discovered a neat trick in paying even £1 extra a month stops the "minimum payment" note being added to your file ! It does indeed


Finally, all those on here saying "Your score means nothing, random number " etc etc, I suspect they are either a little simple, don't quite understand how it works, or their scores are.............low ! I know how it works, I have a good score so I must just be a litte simple

Answers above in bold

Rothstein

Regarding the bank accounts, when making an application, you are asked who your main account is with, so they obviously take it into account, my question is how and why ?

Rothstein

A regularly updated list of which company uses which agency would be useful........


I believe some companies straight reject you if you have applied elsewhere in the last 3/6 months, Virgin being one , anyone else found similar ?

Rothstein

Not much mention of Credit Compass on here ????

Rothstein

Not much mention of Credit Compass on here ??

DCFC79

Rothstein wrote: »

im all for learning, are you ?

Depending on the quality of the teaching then yes.