Did I !!!! myself by not applying for a money transfer offer?

DCFC79

Can you take on some seasonal work ?

Possibly too late but no harm jn asking around.

theone999

Deleted_User wrote: »

Backstreet lenders would be your only option, but the rates and consequences for missed payments are high.

But the good news is it seems there's scope for cutting back on your costs.

i don't need a payday loan / loan shark as such, i'm not flat broke (yet), but want to cut costs.

[Deleted User]

abc.xyz wrote: »

However, your scores should not be completely ignored as any sudden dip with no obvious reason could indicate an issue on your credit file that you should investigate.

And other times nothing has changed and they just like to keep you on your toes

yksi

You're frustrated that we didn't clarify more on credit score vs credit history, but you've managed to miss the "Credit File & Ratings" section of the forum with a sticky thread right at the top

For a quick list of the Do's and Don't's of credit history, read this comment:
https://forums.moneysavingexpert.com/discussion/comment/76555287#Comment_76555287

It is not gold plated, exhaustive, guaranteed or perfect, but it is a general guide on what hurts, what helps, and what nobody cares about.

theone999

SnowTiger wrote: »

Check your online account or phone Halifax to find out if there are any offers currently available to you.

IMO Halifax offers are usually quite poor. However, in your case paying a 5% transfer fee would (probably) be far cheaper than paying 23%+ interest for the next three years.

If you don't have any balance transfer offers available from Halifax you could have a pop at applying for a money transfer card elsewhere.

I know it's a bit late, but I only just rang Halifax now. I didn't want to ring them when it was hovering at 90% utilisation. It's now a bit over 1 grand + 10% I have free. I paid back a lot of what I put on it in Dec (unexpected car repair).

Halifax said no, they don't repeat expired promotions even if you've never used them or didn't understand what it was. They said that offers are updated on a monthly basis. For example, I now have a balance transfer of 9.9% over 3 months, which is dire, but no money transfer offers.

I also asked about the timing of the money transfer and whether it was because it was Black Friday week and so annually that would be the best time for offers. The woman also said no. I'm sure she was !!!!ing herself laughing at how stupid I was, being offered free money and was too thick to know what it was.

jcontest

theone999 wrote: »

The woman also said no. I'm sure she was !!!!ing herself laughing at how stupid I was, being offered free money and was too thick to know what it was.

It's not "Free" money.
It's a tempting loan. The 0% offers make them money so you can be sure it's not free overall. Okay perhaps they leverage the debt to invest against it, but that's besides the point.

Seeing others argue about your "credit score" is sad too. The agency sites that give you a "Score" really do that to give you a rough direction of where your pointing, each company will compile their own internal "score" when you apply.

Have you created a free account on the MSE Credit Club and looked at the offers it has? From what I have seen on sites before they tend to look for documentation (when they look) that proves steady income over about 2 years. If your registered for a HMRC account online (isn't it required now?) then you can get your SA302 that would clearly show your past two years income. When applying for things, use the same income. Large differences of income on different applications will trigger warning flags. Don't randomly apply for a lot of cards as each card you apply for (hard search) will lower your ability to get a new card for a set timeframe.