DSAR - Nationwide Credit Score

wizzywig27

I cant even get a full account with them, will only offer me a basic account - I am now going to see what mt score is when I get home from work.

[Deleted User]

onthefencepost wrote: »

Brill I can see it. Its only slightly higher than my overdraft.
Maybe as my overdrafts been added it needs some time to update?

It tends to stay static for a few weeks after you've amended an overdraft (up or down), then it'll change again. If you keep paying money in and don't take on debt elsewhere there's only 1 way it's going!!!

I'd say having an overdraft that isn't too large will help - it's another 'tick' to show you've got not just a current account, but a current account with credit facilities. And you still aren't abusing it.

wizzywig27 wrote: »

I cant even get a full account with them, will only offer me a basic account - I am now going to see what mt score is when I get home from work.

Interesting, they do offer Flexbasic upgrades too but I've never seen of anyone actually getting one. There's an upgrade page on online banking - say you want to upgrade your flexdirect (even though it isn't) then pick the flexbasic and it'll check your eligibility.

If it declines you could try messaging them. If you score is say 4, I'd expect to be offered a full a/c. My full account is from pre-BR days mind (I had 3, 2 with ODs and 1 without). The defaulted two they've removed but this one has stayed open amd working.

OR said he didn't care as there was no money in it I can do what I like with it.

MABLE

MABLE wrote: »

I tried my overdraft facility today and allows me up to £4000. However last week it dropped from £2000 max to £350 max.

Apologies to OP for getting off subject.

Just checked and now gone up to £5,000 if I want it.

john1002

£5000 is the maximum.

John