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If report isn't up to date, are application searches up to date
Legacy_user
Posts: 0 Newbie
Hi everyone
Cleared a 0% purchase card before it ends a few weeks ago, but it hasn't shown up on my reports yet which always seem a couple of months behind
Should the positive data already show on an application search if I was to apply for another 0% card or do I need to wait till it shows in reports?
Thank you
Cleared a 0% purchase card before it ends a few weeks ago, but it hasn't shown up on my reports yet which always seem a couple of months behind
Should the positive data already show on an application search if I was to apply for another 0% card or do I need to wait till it shows in reports?
Thank you
0
Comments
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What reports?
The CRA’s are updated monthly then they need to publish it to your report. So it may take a couple of months0 -
Clears core and nodded, thank you Gary, i was wondering because you'd think they'd want to be up to date in case anything negative happened, otherwise people could take out a card straight after default, unless maybe creditors wait till the report comes before giving final approvalThis is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0
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CRA’s get updated monthly.
Then you have to wait for your report to get updated as that’s monthly as well.
So allowing 2 months is a fair time0 -
MatthewAinsworth wrote: »Clears core and nodded, thank you Gary, i was wondering because you'd think they'd want to be up to date in case anything negative happened, otherwise people could take out a card straight after default, unless maybe creditors wait till the report comes before giving final approval
They could but a default won't happen until they're several months in arrears, so the likelihood of them being accepted is very low anyway.0
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