natwest behavior score help please

darcyvuqua

wooh 30 i have 6 and struggle to get anymore i remember before i lost my wife i had applicantions everyday in the post never really wanted a cc but now im 27 i feel like im a kid with out any candy

how old are you and how old is the default n-o

Night-owl_6

darcyvuqua wrote: »

wooh 30 i have 6 and struggle to get anymore i remember before i lost my wife i had applicantions everyday in the post never really wanted a cc but now im 27 i feel like im a kid with out any candy

how old are you and how old is the default n-o

Sorry to hear about your wife.
Im 30, I have had credit accounts for 10 years or so.
My default is 3 years (I think) old, however before that I had 3 defaults, all dropped off now.
I feel like everyone else has credit card and they have a CCJ or two and I cant get a high APR card, I can get a currrent account no problem or any other credit but when I ask for a small O/D I am refused even though I fund my account often and have banked with them for 2 years or more.
I am hoping like a few people have said that it is because of the electoral register and the default, I will have to wait and see

darcyvuqua

i moved 5 months ago and pestured the council like crazy to put me on once this had gone on i rang the cra's to confirm quite a easy process i cant wait for my stuff to drop off i have a £100 overdraft with hsbc but nothing more pointless to have really but never go into it to try and show the bank im credit worthy dont think its helped tho lol

Night-owl_6

darcyvuqua wrote: »

i moved 5 months ago and pestured the council like crazy to put me on once this had gone on i rang the cra's to confirm quite a easy process i cant wait for my stuff to drop off i have a £100 overdraft with hsbc but nothing more pointless to have really but never go into it to try and show the bank im credit worthy dont think its helped tho lol

What annoys me is that when I opened my current account I was promised a match on my O/D which was £700.00, they closed my other account for me and didnt match it, then when I asked for a £50 O/D was told simply, sorry, no, you have to fund your account for 6 months and well look at this for you.
But 6 months after they still say try again in 3 months :mad:
I only want a £50 O/D to work up from there

darcyvuqua

yes that is shocking did you get this in writing?

Night-owl_6

darcyvuqua wrote: »

yes that is shocking did you get this in writing?

Sadly no, but it was in there T&C but when I took them up with them, I found that the person on the phone got very ratty and just said, "its the way it is"
I left it at that point, but when I have requested a O/D online with the bank I have noticed not once have they done a credit check on me, which therefore must prove they are using a internal system, but why I am not passing is anyones guess.

darcyvuqua

what were the 30 open accounts for if you dont mind me asking ie cc loans etc

Night-owl_6

I have mainly catalogue accounts and a mobile contract (now disconnected)

Night-owl_6

darcyvuqua wrote: »

yes that is shocking did you get this in writing?

You may want to view my post in the credit card section of this website.
The thread name "Credit Report Fault"