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About Me


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  1. Hi Everyone, First post so please be gentle.... .... just wanted to see what others thought - I have been trying to rebuild my credit following some debt issues 20 years ago. I saw the website advertised on the TV and thought I would take a look. The site is great , advising me on credit cards that could help me with rebuilding my credit. I am currently in a great job with regular income so this seemed ideal. I applied for 2 credit cards as suggested and was accepted with fairly low credit limit. I have been using these cards and paying them (not just the minimum payment) and all going well. I then received an email from the site that I regularly receive every few weeks informing me of my current credit score and to my joy the credit score had increased - within the email was an opportunity to continue increasing my score my applying for another card- I entered details and was told 90% chance - so clicked continue and filled out application online similar as before. Message popped up saying further info was required and company of credit card would contact me. 5 days later I received a letter saying that the card I applied for was declined as I had taken out a credit card only 9 months ago from the same "parent" company - this search was now to be shown on my credit file as a negative ! Now, I realise that applying for multiple cards is a bad thing for credit scoring, however I felt a bit cheated as I was only following Clearscores own email stating I should apply to continue rebuilding my credit !! Their suggestion has now ended with a negative mark on their scoring system ! I just feel a disclaimer should have been present for me to see (not hidden in layers of small print) when I applied stating that even though we have recommended this card to rebuld your credit , applications to this credit card provider may be adverse ifyou already have one of their cards.... ...Am I being reasonable or not ? Happy to hear whether you agree or disagree with me Thanks in advance Kev
  2. My Clearscore report has updated today and I have noticed that a marker is placed if a minimum payment is made on one of my credit cards. Is this information given to banks etc if they perform a credit search and does it have a negative effect on how I am scored?
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