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Multiple credit checks
Scotbot
Posts: 1,541 Forumite
I came back from living overseas 2 years ago and have been in my house which I own for 21 months. When I came back I could not get a mobile phone contract as I had no credit history or job. I got a credit card with a low limit 9 months ago. Online banking now tells me I am 'highly likely to be accepted for a credit increase.
I want to get a monthly mobile SIM contract with BT who I have my broadband with this will be about £12 a month, increase my CC limit and switch my utility supplier. What is the best order to do this in so I don't screw up my credit history? How long should I wait before each application?
I want to get a monthly mobile SIM contract with BT who I have my broadband with this will be about £12 a month, increase my CC limit and switch my utility supplier. What is the best order to do this in so I don't screw up my credit history? How long should I wait before each application?
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Comments
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There is no need to wait before each application. It won't 'screw up' your credit history. Just apply for each account when it is convenient for you.
I work within the voluntary sector, supporting vulnerable people to rebuild their lives.
I love my job
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It’s doesn’t matter.
Just apply.0 -
I thought multiple hard searches could count against you?0
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Multiple hard searches will reduce your CRA credit score. But since lenders neither use nor see your credit score, it doesn't really matter! I work within the voluntary sector, supporting vulnerable people to rebuild their lives.
I love my job0 -
Multiple credit searches can raise flags to lenders when you apply for credit.
But for what you’re looking to apply for it won’t make much of a difference if any.0 -
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