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Nat West Application affected Credit Score


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I have been trying to build my credit rating back up and I have been succeeding. It had even moved back up to the "good" rating on Experian.



Anyway I am now in a position where I could open a savings account and actually put money away.



I decided to open an instant access savings account with Nat West, so no overdraft, not a current account but to my surprise they did a credit search that has left a footnote on my credit score and knocked my score back down to "fair"



So it seems that by wanting to be a customer and hand money over to them I have now paid the price by my credit report being damaged.



Is this usual for opening a savings account?

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yes but its not there for long either.



also depends upon any other searches/credit you might have appliedfor




please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Last credit I applied for was 8 year ago.



I just find it bizarre that they can do a "credit application search" when you are not applying for credit or anything that has the facility for credit.



I called them and the bloke said they didn't do them for savings accounts put me on hold for about 20 minutes and came back and said they did.



I wanted to look at switching mortgages as well :(

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