Thank you for applying for a Virgin Money Credit Card....

Dandytf

@p3ncilsharpener

refer to 09:19 04/08/21.
if you wish.

p3ncilsharpener

Dandytf said:

@p3ncilsharpener

refer to 09:19 04/08/21.
if you wish.

No, I'm going to refer to the one you posted at 07:47 before you realised what you'd posted and started to backpedal.  I mean at 09:19, for some inexplicable reason you were subtracting 3 because of Clearscore, despite not including any searches from Clearscore in the post I was responding to.

You've applied for at least 10 financial products in the past 6 months (which you do not appear to be denying), ALL of them would have had at least one hard search.  You have at least 10 hard searches, and the number you posted at 07:47 is absolutely in line with that, assuming one of two may have searched more than one CRA.

Anyway, there is little point in continuing this.  You're not going to convince me you have fewer hard searches than there are products you've applied for so we're going round in circles.

onlyfoolsandparking

Keep updating us on your credit reports and how many hard searches you have collected, it will help show people EXACTLY what they should be doing oh and fingers crossed you get approved for the Virgin credit card, another card can't hurt can it?

p3ncilsharpener

onlyfoolsandparking said:

Keep updating us on your credit reports and how many hard searches you have collected, it will help show people EXACTLY what they should be doing oh and fingers crossed you get approved for the Virgin credit card, another card can't hurt can it?

I hear once you've collected 20 you get a free toaster, can anyone confirm?

Dandytf

Extract taken from 09:19 04/08/21
forgot to include clearscore -3....Include i.e. Not Subtract

These are recorded from various cra's 7 is total, various cra's record and report differently.

Simples.

p.s.VM will become 8 regardless of decision, which cra reports 1st is anyone's guess

p3ncilsharpener

Dandytf said:

Extract taken from 09:19 04/08/21
forgot to include clearscore -3....Include i.e. Not Subtract

These are recorded from various cra's 7 is total, various cra's record and report differently.

Simples.

p.s.VM will become 8 regardless of decision, which cra reports 1st is anyone's guess

You wouldn't include Clearscore as you already included Equifax.

Dandytf

p3ncilsharpener said:

Dandytf said:

Extract taken from 09:19 04/08/21
forgot to include clearscore -3....Include i.e. Not Subtract

These are recorded from various cra's 7 is total, various cra's record and report differently.

Simples.

p.s.VM will become 8 regardless of decision, which cra reports 1st is anyone's guess

You wouldn't include Clearscore as you already included Equifax.

I was posting latest cra's  recorded searches, though I could have continued with checkmyfile as they include all 3 +Crediva.
Much prefer Experian this year.

p3ncilsharpener

Dandytf said:

p3ncilsharpener said:

Dandytf said:

Extract taken from 09:19 04/08/21
forgot to include clearscore -3....Include i.e. Not Subtract

These are recorded from various cra's 7 is total, various cra's record and report differently.

Simples.

p.s.VM will become 8 regardless of decision, which cra reports 1st is anyone's guess

You wouldn't include Clearscore as you already included Equifax.

I was posting latest cra's  recorded searches, though I could have continued with checkmyfile as they include all 3 +Crediva.
Much prefer Experian this year.

Clearscore isn't a CRA, they use data from Equifax.  That's why you don't count both of them.

cymruchris

In a sense you’re an interesting experiment to see how having increased numbers of credit applications pans out - you’re obviously doing what you’re doing for your own reasons, and although we’re all recommending against it - you’re free to choose your own path. Do update as to what virgin say - and then no doubt you’ll be on fo the next one. Have you got an Amex yet ? 

onlyfoolsandparking

I've never 'intentionally' done anything with credit to please the CRA's maybe that's where I've been going wrong, oh hang on a minute I haven't gone wrong, I'm confused now??