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Loan and Overdraft Credit checks
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footlady133
Posts: 4 Newbie
in Loans
Loan and overdraft
Applying for a loan and I just wondered when I am credit checked (955 Experian) do they look at my bank details etc on that exact day, or is it based on a date from the previous month?
Only reason is I’m in and out of my overdraft so trying to work out best time to apply.
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Comments
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They'll see a live view, but that live view will be of the last time your bank provided an update.
They don't see your pretend 995 score.1 -
Does anyone know how often the banks update? If it’s a live view?0
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Generally monthly for account updates.1
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Check your free credit reports and it shows you the date last updated. They aren't all the same.0
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Why were you in your overdraft ?footlady133 said:Loan and overdraftApplying for a loan and I just wondered when I am credit checked (955 Experian) do they look at my bank details etc on that exact day, or is it based on a date from the previous month?Only reason is I’m in and out of my overdraft so trying to work out best time to apply.0
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