Forum Discussion

RudyDude's avatar
RudyDude
Joining in
31 days ago

Account - Cable

hi there - I’m in the same position right now. How did this turn out for you you?

  • In that case, some general advice may suffice. Your Equifax credit score is only relevant as far as Equifax is concerned.

    You have a statutory credit file which individual lenders will score against their own criteria - it's that which is relevant and not much else. I'd recommend checking with your lender directly.

  • japitts's avatar
    japitts
    Very Insightful Person

    It's usually better to start a new thread explaining your issue than add "me too" to an existing thread - by all means link to another thread if it's similar.

    Just use the "reply" function in this post, to explain what problem it is that you have? RudyDude 

    • RudyDude's avatar
      RudyDude
      Joining in

      Thanks

      about to complete on a mortgage/property and worried that my lender will check my credit score again before completion. Virgin’s hard credit search knocked my score down on Equifax by over 70 points. 

       

    • Barstaff's avatar
      Barstaff
      On our wavelength

      "It's usually better to start a new thread explaining your issue than add "me too" to an existing thread - by all means link to another thread if it's similar."

      And although this is true, it seems obvious that the forum mods have simply split this off from its original thread and created a new one. Which is fine, although do you not think that, if they do that, then adding a link to the original one might have been helpful, rather than simply leaving it 'flapping in the breeze’?

      Maybe it’s something above their pay-grade, they can’t be bothered, slavishly following the rules overrides actually providing help to posters?

      Something you might want to bring up at the next VIP meeting - is that still a thing?

  • japitts's avatar
    japitts
    Very Insightful Person

    In that case, some general advice may suffice. Your Equifax credit score is only relevant as far as Equifax is concerned.

    You have a statutory credit file which individual lenders will score against their own criteria - it's that which is relevant and not much else. I'd recommend checking with your lender directly.