Improving credit score?

drbluebox

Spoke to a staff member at Halifax and she said I can get a manual assessment if I sent last 3 months bank statements and copies of my credit card bill to see that I am good at payments I have a far higher chance of getting an account

Angel11_2

Can only re-iterate (not sure if spelt correctly) to check with all 3 agencies for your credit report.

And then go from there. Bank can look at your last 3 payments and make their own individual assessment but what if you need anything on credit/emergency loan.

Check with all 3 agencies ...... at least then you'll have the evidence as well that there is nothing bad on your report which go back 6 years. And if there is something (which may be in dispute/fraudulent accounts - you did mention re a few addresses) then you can deal with that.

loveandlight

Please also note that the credit scoring provided by the credit rating agencies don't really have any bearing at all on how lenders rate you as all lenders rate differently. I always check my credit file every year but have never bothered to check my credit score with the agencies because I know it doesn't really matter how high they rate me, if the lenders themselves don't rate me very much.