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A2H GO

 posted on 20th Mar 10 at 09:44

quote:
Originally posted by Mase
I was told when applying for loans recently that they consider 2 credit applications a month as 'normal' and as a result wouldn't have an impact on your credit score/report. However multiple declined credit applications cannot be a good thing surely....


I've said it before but credit search's(footprints) do not confirm whether you were succesful/declined for that particular application. Multiple applications within a short space of time is not good as it usually indicates you have been declined.


Mase

 posted on 18th Mar 10 at 22:40

I was told when applying for loans recently that they consider 2 credit applications a month as 'normal' and as a result wouldn't have an impact on your credit score/report. However multiple declined credit applications cannot be a good thing surely....


John

 posted on 16th Mar 10 at 16:19

You'd need to have loads of credit checks to have any sort of effect anyway, a couple showing up don't make any difference.


Sam

 posted on 16th Mar 10 at 14:08

:facepalm:

When you sign up to CreditExpert or Equifax, you don't do a credit check on yourself (you're not getting finance from yourself!) you are simply accessing your credit file.

You could access your credit file on a daily basis religiously all year round and it won't affect your credit rating whatsoever, yes there will be a 'footprint' of you accessing your credit file but it's NOT a credit search and only YOU and the credit reference agency can see that information, no-one else.


Edd

 posted on 15th Mar 10 at 19:54

multiple credit checks can affect your credit rating, yes


adiohead

 posted on 15th Mar 10 at 18:14

i used experian's 30day trial to sort out a mistake on my credit history.

was easy to use. just remember to cancel on time, otherwise you'll get charged.


jas-tec

 posted on 15th Mar 10 at 18:05

try equifax


Dom

 posted on 15th Mar 10 at 17:06

Just wanted to ask if there are any down sides to doing a credit check (signing up to Experian etc) on yourself? Someone was talking guff to me in the pub the other night about how it can effect your rating and just wanted to check. Also, does anyone know any good sites that will do credit checks (Experian is one)?

Chars :wave: