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09-12-2007, 02:10 PM
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Is it possible to have a credit rating that's too good? Post #81 | | Registered User
Join Date: Jun 2007
Posts: 1
Rep Power: 0 |
Hoping I won't need to swap again anyway. )% interest runs out on one card in December, and hoping to pay it off then. other card 0% until mid next year.
Then no more cards, or debt. Ever. Mon me  | 
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09-12-2007, 02:11 PM
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Is it possible to have a credit rating that's too good? Post #82 | | Registered User
Join Date: Jun 2007
Posts: 1
Rep Power: 0 |
)% a special introductory offer where the company actually gives me money, obviously.
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09-12-2007, 02:11 PM
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Is it possible to have a credit rating that's too good? Post #83 | | Newb
Join Date: Oct 2007
Posts: 0
Rep Power: 0 |
It is - Credit expert 'from Experian' - it is the online part of the company.
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09-12-2007, 02:14 PM
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Is it possible to have a credit rating that's too good? Post #84 | | Newb
Join Date: Oct 2007
Posts: 0
Rep Power: 0 |
It was great when I worked for loan companies... I could get credit history information from Equifax for free... about anyone.
Of course I didn't look at other peoples... that would be highly illegal I suspect :cool:
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09-12-2007, 02:15 PM
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Is it possible to have a credit rating that's too good? Post #85 | | Registered User
Join Date: Jun 2007
Posts: 0
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Quote:
Originally posted by Rocky Rockstar:
<BLOCKQUOTE>
Credit card companies reject you for always repaying cards in full. The most profitable credit card customer is perpetually in debt, never defaulting, always paying just the minimum (see Danger Minimum Repayments article). Thus if you pay off in full every month, or always shift debt to 0% cards, you may be rejected for further credit.
| Punishing the careful ifs :thdn: </BLOCKQUOTE>
No it's not ffs 
If they just had customers who would always pay up in full, on time and without incurring any interest on the credit, then they'd not be in business.
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09-12-2007, 02:16 PM
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Is it possible to have a credit rating that's too good? Post #86 | | Registered User
Join Date: Jun 2007
Posts: 0
Rep Power: 0 |
Quote:
Originally posted by Retro:
It was great when I worked for loan companies... I could get credit history information from Equifax for free... about anyone.
Of course I didn't look at other peoples... that would be highly illegal I suspect :cool:
| I'm sure if any of your friends and associates are reading this, they may now know why you look so smug when you see them.
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09-12-2007, 02:44 PM
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Is it possible to have a credit rating that's too good? Post #87 | | Joe Blow
Join Date: Oct 2007
Posts: 0
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www.garlik.co.uk is good site by all accounts but it costs £2.99 a month.
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09-12-2007, 02:53 PM
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Is it possible to have a credit rating that's too good? Post #88 | | Registered User
Join Date: Sep 2007
Posts: 0
Rep Power: 0 |
Quote:
Originally posted by Rocky Rockstar:
<BLOCKQUOTE>Originally posted by Fat Bhoy Tim:
Not getting them isn't blacklisting, nor lowering your rating. You're not getting them as you won't make them any money.
| Which is what i thought all along. Although that doesn't explain why my mate who'd had them for 6 years and hasn't paid a penny in interest because she keeps switching them still keeps getting accepted.
Double standards :thdn: </BLOCKQUOTE>
For retro
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09-12-2007, 02:55 PM
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Is it possible to have a credit rating that's too good? Post #89 | | Newb
Join Date: Oct 2007
Posts: 0
Rep Power: 0 |
Thanks mate! | |
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09-12-2007, 02:56 PM
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Is it possible to have a credit rating that's too good? Post #90 | | Newb
Join Date: Oct 2007
Posts: 0
Rep Power: 0 |
Ah ha
*fingers crossed*
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