Hello! Help in removal of defective default from credit record

[The Debt Star]

Re: Hello! Help in removal of defective default from credit record

the open gaol's in swindon

[kraygerson]

Re: Hello! Help in removal of defective default from credit record

Oi, you thread hijackers ...

Quick update: the account (NatWest Current Plus) is up and running! The welcoming letter arrived this morning.

Niddy was right - again: a single default over three years old did not prevent me obtaining a full bank account.

Thanks Niddy!

So, it appears the corner has been turned. I will run this account impeccably for 6 months, before applying for any significant credit.

[Never-In-Doubt]

Re: Hello! Help in removal of defective default from credit record

Oi, you thread hijackers ...

Quick update: the account (NatWest Current Plus) is up and running! The welcoming letter arrived this morning.

Niddy was right - again: a single default over three years old did not prevent me obtaining a full bank account.

Thanks Niddy!

So, it appears the corner has been turned. I will run this account impeccably for 6 months, before applying for any significant credit.

. Well done. Now wait a few months then apply to natpest for a card and take it from there

[The Debt Star]

Re: Hello! Help in removal of defective default from credit record

Well done mate.
Hijacking? Just whiling away the long gaps between updates

[kraygerson]

Re: Hello! Help in removal of defective default from credit record

. Well done. Now wait a few months then apply to natpest for a card and take it from there

Thanks. Yes, that's the plan. Do you think 3 months is long enough? Or should I wait 6?

Do you know if NatWest utilise behavioural scoring?

[Never-In-Doubt]

Re: Hello! Help in removal of defective default from credit record

Thanks. Yes, that's the plan. Do you think 3 months is long enough? Or should I wait 6?

Do you know if NatWest utilise behavioural scoring?

6 months mate, yes they have internal scorecards - Nattie is best person to ask, as he's ex natwest.... they still use the CRA's but I think behaviour score plays a part for pre-approval.