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barassic

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Post by barassic » Sat Oct 17, 2020 11:04 am
Morning all. Just checked credit score on Experian and clear score and both are excellent. Am I able to apply for a normal rate credit card now or will I still need to get a credit building one

Foggy

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Post by Foggy » Sat Oct 17, 2020 12:46 pm
If there is nothing 'nasty' on your credit files, there is no reason why you should not apply. I would have a look on something like Clearscore for what is on offer, using soft searches.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

barassic

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Post by barassic » Sat Oct 17, 2020 1:29 pm
Sat Oct 17, 2020 12:46 pmFoggy wrote:
If there is nothing 'nasty' on your credit files, there is no reason why you should not apply. I would have a look on something like Clearscore for what is on offer, using soft searches.
Thanks Foggy

How would I know there is nothing nasty on there please

kallis3

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Post by kallis3 » Sat Oct 17, 2020 1:47 pm
If it's clear there shouldn't be anything untoward on there. I agree with foggy that you need to check companies that do a soft search so that it doesn't show up on your credit rating and it will give you an idea as to whether or you will be accepted.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk

barassic

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Post by barassic » Sat Oct 17, 2020 1:55 pm
Thanks both . I will try that then 🤞

Foggy

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Post by Foggy » Sat Oct 17, 2020 2:50 pm
Sat Oct 17, 2020 1:29 pmbarassic wrote:
Sat Oct 17, 2020 12:46 pmFoggy wrote:
If there is nothing 'nasty' on your credit files, there is no reason why you should not apply. I would have a look on something like Clearscore for what is on offer, using soft searches.
Thanks Foggy

How would I know there is nothing nasty on there please
Your Clearscore report should show you.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

barassic

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Joined: Sun Oct 29, 2017 5:54 pm

Post by barassic » Sat Oct 17, 2020 4:44 pm
So I have looked on clearscore and chances of being approved are between 80 and 100% . Just wondering if I go for one of the 100% I would stand a better chance . Any advice would be appreciated. Cheers

kallis3

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Post by kallis3 » Sat Oct 17, 2020 5:00 pm
You may be ok if it says 100% but we can't help you with that.. You have to make the decision. 100% has to be better than 80.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk

barassic

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Post by barassic » Sat Oct 17, 2020 5:06 pm
That’s exactly what I was thinking Kallis. Don’t need one at the minute but just trying to get back in the game. Goes without saying I won’t be abusing it and will pay off in full every month.

barassic

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Post by barassic » Sun Oct 18, 2020 11:02 am
Hi , just thought I’d give you an update on this .Applied to Virgin money and have been accepted with a limit of just under £3000. Thanks for all your advice Foggy and Kallis . Maybe things are looking up now🤞

kallis3

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Post by kallis3 » Sun Oct 18, 2020 11:16 am
Good news!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk

Foggy

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Post by Foggy » Sun Oct 18, 2020 11:20 am
Excellent -- use it wisely, Grasshopper :-)
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

barassic

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Post by barassic » Sun Oct 18, 2020 11:30 am
😄😄 Definitely will use it wisely . One thing this whole journey has taught me is to manage money responsibly. Not getting into that situation again . Thanks again

kallis3

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Post by kallis3 » Sun Oct 18, 2020 11:38 am
You know where we are if you need anymore advice.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk

barassic

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Joined: Sun Oct 29, 2017 5:54 pm

Post by barassic » Sun Oct 18, 2020 11:45 am
Will definitely be more questions Kallis . The advice everyone has given on this forum has been invaluable , especially yourself and Foggy. So glad I found this forum . Remortgage will be next challenge. Think I will wait till middle of next year to attempt that one though 😬
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