Advice on an 11 year old debt that nobody has collected

obloquy

finalfantasist said:

You could apply to anyone.

Perhaps you shouldn't bother applying to anyone else if you now have two hard searches, it's really up to you.

 Thanks so much for your advice finalfantasist
 
So i just got a full credit report from experian just now and it looks like I have a recently activated new account of £420 which caused my credit score to drop a bit.  I switched car insurance last month to get a better deal, so I've only paid for the first month and the next month is going out tomorrow.  

Do I wait 1-3 months to show that I'm paying the car insurance as normal as they seem to have put it as a moderate risk as its a freshly opened account from last month.  You reckon if I start applying for credit cards now it might go against me given the new account thats been opened?

finalfantasist

obloquy said:

finalfantasist said:

You could apply to anyone.

Perhaps you shouldn't bother applying to anyone else if you now have two hard searches, it's really up to you.

 Thanks so much for your advice finalfantasist
 
So i just got a full credit report from experian just now and it looks like I have a recently activated new account of £420 which caused my credit score to drop a bit.  I switched car insurance last month to get a better deal, so I've only paid for the first month and the next month is going out tomorrow.  

Do I wait 1-3 months to show that I'm paying the car insurance as normal as they seem to have put it as a moderate risk as its a freshly opened account from last month.  You reckon if I start applying for credit cards now it might go against me given the new account thats been opened?

Insurance really has no bearing on anything.  You should wait 6 months before applying for another credit card with 2 hard searches for one on your file now.

obloquy

I see.  Its weird, the barclays application search appears on my report for TransUnion, but doesn't appear on my search with experian

finalfantasist

obloquy said:

I see.  Its weird, the barclays application search appears on my report for TransUnion, but doesn't appear on my search with experian

Unless you're paying Experian for their credit monitoring service you won't see up to the minute data on there.

Nebulous2

Barclaycard have really tightened up credit during the pandemic - there are lots of stories on here of people getting their credit limits slashed. It is also possible the reapplying thing messed up the Barclaycard application.