What's in your wallet/purse?

milfordmadness

PROLIANT wrote: »

194 searches and falling - I think I will leave it until August before I try any one else.

WHAT THE F**K how many? Tell me mate, did you get accepted for anything after your 40th search was made or was it refusal after refusal? LOL & I thought I was bad hahahah

Is your credit good, otherwise?

PROLIANT

milfordmadness wrote: »

WHAT THE F**K how many? Tell me mate, did you get accepted for anything after your 40th search was made or was it refusal after refusal? LOL & I thought I was bad hahahah

Is your credit good, otherwise?

No I can't get credit from any company searching Experian - however I do not have any adverse data on my files - anymore.;)

milfordmadness

PROLIANT wrote: »

No I can't get credit from any company searching Experian - however I do not have any adverse data on my files - anymore.;)

Lol, wish I never having a nightmare trying to get the stuff removed lol

noah271007

PROLIANT wrote: »

194 searches and falling - I think I will leave it until August before I try any one else.

Mmadness and Proliant, 62 and 194 credit searches is pretty excessive!! Is this ALL credit searches??? Not consumer credit report type search or unrecorded enquiry type search?? Because this leave a footprint every time a search is made, whether its from you or someone else.

Justicia

milfordmadness wrote: »

Here goes nothing!!!!

It's like someone's gone mad with a soldering iron!!;):D:T

PROLIANT

noah271007 wrote: »

Mmadness and Proliant, 62 and 194 credit searches is pretty excessive!! Is this ALL credit searches??? Not consumer credit report type search or unrecorded enquiry type search?? Because this leave a footprint every time a search is made, whether its from you or someone else.

All recorded and visible to lenders; the plan was to get as much on my file as possible then to leave the accounts to build up status and after 12-24 months start closing them off, I do not use all of my credit accounts and the cull has already started, so mid 2009 my credit rating should look pretty attractive to lenders.
Fuzzy logic but it is working.

milfordmadness

noah271007 wrote: »

Mmadness and Proliant, 62 and 194 credit searches is pretty excessive!! Is this ALL credit searches??? Not consumer credit report type search or unrecorded enquiry type search?? Because this leave a footprint every time a search is made, whether its from you or someone else.

Nah with unrecorded mine are over 200 cos I have previous address LOL

milfordmadness

Justicia wrote: »

It's like someone's gone mad with a soldering iron!!;):D:T

Haha = its on photoshop warping tool, it twists the text and is irreversible so great for what i've uploaded lol :j

milfordmadness

PROLIANT wrote: »

All recorded and visible to lenders; the plan was to get as much on my file as possible then to leave the accounts to build up status and after 12-24 months start closing them off, I do not use all of my credit accounts and the cull has already started, so mid 2009 my credit rating should look pretty attractive to lenders.
Fuzzy logic but it is working.

ironically enough that's my logic - to 'get seen' on the credit scene, so to speak! So what if they refused me, next year when I reapply they will probably give to me hehe

What's this, notice my jazzy new avatar and decide to change yours? LOL

---

copycat Proliant! LOL

noah271007

PROLIANT wrote: »

All recorded and visible to lenders; the plan was to get as much on my file as possible then to leave the accounts to build up status and after 12-24 months start closing them off, I do not use all of my credit accounts and the cull has already started, so mid 2009 my credit rating should look pretty attractive to lenders.
Fuzzy logic but it is working.

I would have thought that if there is a large number of credit searches that are visible to lenders on your credit file, this often can be very counterproductive as lenders will fear you are desperate for credit or even suspect fraud activity going on on your credit file. Also having a large number of searches WILL affect the credit scoring. Lenders do not like to see large number of searches!!

I have two credit searches done this month, and in total of the past year...two credit searches LOL! Experian have advised me not to have more than 4 credit searches within 3 month period.