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post #11 of 20 (permalink) Old 11-09-2016, 19:02
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Never done this before, but a soft search, 979 out of 999. So it seems I'm a reasonable risk


tony


Ps do you need a million a year for 999

WARNING.!!... The above post may contain an opinion

Academia and government artificially select for particular traits, among which is a lack of life experience. This is why it's possible for a person to be exceptionally bright while failing to grasp something as rudimentary as supply and demand.

Intellectuals: All engine, no map.


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post #12 of 20 (permalink) Old 11-09-2016, 19:45 Thread Starter
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Never done this before, but a soft search, 979 out of 999. So it seems I'm a reasonable risk

I'd lend you a fiver based on that Tony....



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Ps do you need a million a year for 999
Cant do...as that is what I have (not the million a year bit)

I think I am down to a gross £12k a year now part time teaching

Graham

Which ever way you look at it, we are MUCH BETTER OFF in the EU than outside!


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post #13 of 20 (permalink) Old 11-09-2016, 19:51
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It must be that 50 grand I borrowed off Wonga, at a very reasonable 900% per month payable over 10 years


Or it could be I've recently changed one of my banks


tony

WARNING.!!... The above post may contain an opinion

Academia and government artificially select for particular traits, among which is a lack of life experience. This is why it's possible for a person to be exceptionally bright while failing to grasp something as rudimentary as supply and demand.

Intellectuals: All engine, no map.


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post #14 of 20 (permalink) Old 12-09-2016, 06:18
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I signed up with Noddle a while back. Can't remember why but it might have been on the recommendation of Martin Lewis??


I think that once you are signed up it keeps reviewing your credit rating and lets you know if anything changes. I get an email every now and then with an update.
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post #15 of 20 (permalink) Old 12-09-2016, 09:23
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Really?

It only asked for the name of my bank. Are you positive you are on the right thing?

You say "well in" to it but the whole thing was only 2 pages and 1 more for Experian just to check on what cards you carry!

Graham
Maybe not, but I went through the link given. To be honest I did think that it wanted to check the bank account as my personal income is not that much. State pension and very small works pension. So as I said low income but no mortgage or other loans to pay.
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post #16 of 20 (permalink) Old 23-11-2016, 20:03
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My update came in yesterday.....................999................. ......after only buying groceries and meals out, so why the change?







tony

WARNING.!!... The above post may contain an opinion

Academia and government artificially select for particular traits, among which is a lack of life experience. This is why it's possible for a person to be exceptionally bright while failing to grasp something as rudimentary as supply and demand.

Intellectuals: All engine, no map.


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post #17 of 20 (permalink) Old 23-11-2016, 21:19
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Mine dropped from 994 to 953 and I had not done anything that required a search. Who cares anyway, house paid, 2016 Motorhome and some money in the bank. Just my care home fees and funeral costs to worry about. I wonder do the care homes do a credit check !!

Davy
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post #18 of 20 (permalink) Old 23-11-2016, 21:34
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I was once refused credit

Paid for a check

It seems that once the bank required my maiden name

So I had two names

Very suspicious

But as the last time I used my maiden name was 63 years ago

I thought stuff them

I don't need credit anyway fortunately , I always pay cash although through credit or bank cards

The former are paid in full monthly, but I like my tesco vouchers

Sandra

Last edited by aldra; 23-11-2016 at 21:37. Reason: Mistake
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post #19 of 20 (permalink) Old 24-11-2016, 07:10
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We still have the friendly Bank Manager here in France. He can become like an old friend very quickly.
After paying off the 2.9% car loan I asked for more just to maintain my credit rating. I must be assumed a good risk as the new one is only 2.4%.
The only thing they ask for is your tax return. This gives your declared income and ability to pay. Very quick application and instant answer.

Ray.

The FSA licensed a twice convicted fraudster to handle our life´s savings. Guess what? He robbed us of £750,000. http://raynipper.com
Brexit is madness orchestrated by the insane.
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post #20 of 20 (permalink) Old 24-11-2016, 08:26
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Got a score of 989 so looks like I'm OK. Read that using a credit card to get cash is a big no no. I always use my Halifax Clarity Card for cash abroad and have done for years as advised by "Martin Lewis ". After reading more into the credit score you can explain why you are drawing cash from a credit card and they will take this into account.
I draw cash out and then transfer the amount from my bank to pay my card company the same day.

Tip for those who have children.

Once your child reaches 16yrs of age, if you haven't already set them up with a bank account. If their mobile phone or sim only is on contract (put the contract in their name) and set up payments from their account as this will put them on the ladder and give them a good start for a credit score providing payments are met.

Frank

Last edited by fdhadi; 24-11-2016 at 08:31.
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