Timeline for Shopping around for loans without detrimentally affecting credit rating/chance of getting said loan?
Current License: CC BY-SA 3.0
7 events
| when toggle format | what | by | license | comment | |
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| Jan 21, 2015 at 22:46 | vote | accept | CommunityBot | ||
| Jan 21, 2015 at 15:30 | comment | added | user24734 | No, all fine, just registered at the wrong address. The phone account was up to date and the credit card had no money against it (I never used it). I've registered with Noodle and Xperian. Both say my credit score is "Excellent". I'll try Equifax, but honestly I've never been in arrears for anything in my life. I have a good wage and I own a house. | |
| Jan 21, 2015 at 15:22 | history | edited | DumbCoder | CC BY-SA 3.0 |
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| Jan 21, 2015 at 15:19 | comment | added | DumbCoder | @Liam The websites provide you the quotation which you received. Check your other credit reports too. Every provider doesn't report to all credit agencies. They generally offer a month free trial period. Take it and have a look. Check Noddle which is a free service, but they are Callcredit in disguise. I might assume your phone and credit card are playing up. Were those in arrears ? | |
| Jan 21, 2015 at 14:49 | comment | added | user24734 | I went though my credit report with a fine tooth comb, the only discrepancies I could see was a phone account at the wrong address and and an old credit card, again, at the wrong address. I corrected the phone account and closed the credit card. | |
| Jan 21, 2015 at 14:48 | comment | added | user24734 | So I got the rates from the comparision sites originally. I haven't seen anywhere offer a "quotation". It's either a quick interest rate calculator or apply, nothing in between? I don't trust the rates offered any more because of the severe jump in the first loan rate. | |
| Jan 21, 2015 at 14:37 | history | answered | DumbCoder | CC BY-SA 3.0 |