Confused about Bank of Scotland Recoveries Team and letters I have

[Deleted User]

You say avoid anything on your credit files - surely it!!!8217;s already marked with late payments or arrangements to pay?

To owe that much on a credit building card - somethings amiss here - should you really be thinking about getting another credit card?

[Deleted User]

Depends on how much of a risk etc they think you are.

No one can answer that but then when you apply

crazyshady

Do you think it would make any difference if I called and spoke to them on the phone or do they only allow applications online?

[Deleted User]

They still won!!!8217;t tell you a limit until you!!!8217;re accepted.

Even then you might not find out straight away but a few days letter via letter or email

crazyshady

Okay I will think about this.

[Deleted User]

Did you ever get round to checking how it is reported in your credit files, or is this still all guesswork?

crazyshady

I only went off of the eligibility checker on this site which says to use the checker because officially applying will leave a mark on your credit file. I have, through Barclaycard requested to see mine from Experian so I'll get a better idea of how my credit files stand just now.

Dobbibill

To check your files yourself before making any applications you can use
https://www.moneysavingexpert.com/creditclub for your Experian report
https://www.clearscore.com/ for your Equifax report
https://www.noddle.co.uk/ for your Call Credit report.

You need to check all 3.

crazyshady

What would they tell me that would give me an indication on whether I would have a good chance of a successful application?

Dobbibill

They would tell you how your existing CC is being reported. It would show you (and other lenders) whether it's defaulted, marked as late or marked as an arrangement to pay. This would in turn give youa good indication of the likelihood of being accepted for credit elsewhere.