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Community

Why don't you ask this question?

Is it fair that other lenders shouldn't be aware of multiple loan applications, so that they don't get stung by a fraudulent borrower?

It's not one sided!

You are able to view your credit rating without it affecting (sic) your credit score.

Hello Skywalker,

I think our question offers each side a voice ("lenders need to know if you’ve made other applications recently") but I can see you disagree.

What has actually stung me into replying is your '(sic)'. Affecting is correct in that sentence! It is not an error, it is not a typo. It is grammatically correct.

This should not be treated as an invitation to start proofing my work generally *grins*

Felicity

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Felicity King-Evans, Deputy Site Editor
felicity.king-evans @ moneysupermarket.com

*grin*

Usage note:
Affect1 and effect, each both noun and verb, share the sense of “influence,” and because of their similarity in pronunciation are sometimes confused in writing. As a verb affect1 means “to act on” or “to move” (His words affected the crowd so deeply that many wept); affect2 means “to pretend” or “to assume” (new students affecting a nonchalance they didn't feel). The verb effect means “to bring about, accomplish”: Her administration effected radical changes. The noun effect means “result, consequence”: the serious effects of the oil spill. The noun affect1 pronounced with the stress on the first syllable, is a technical term in psychology and psychiatry. Affect2 is not used as a noun.

Seems to rather depend on whether we are talking about the affect on the person's attitude to the effect the application has on that person's credit file - no?

Hehehe. Any English teachers here?

Bah, Fridays are my busiest mornings but I love a grammar debate!

I will content myself with pointing out that if you Google 'effect my credit rating' - it changes it to 'affect my credit rating'.

If I have time later, I shall dig out some actual grammatical rules to support my case.

Heh, this is not the controversy I was hoping this poll would spark :)

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Felicity King-Evans, Deputy Site Editor
felicity.king-evans @ moneysupermarket.com

You are quite correct, google does exactly that. After looking further into using both words (noun and verb) I concur with your correct usage.

Probably better if I don't peruse MS when I have imbibed Jacob's Creek Chardonnay!

Affect is usually used as a verb, however it maybe used as a noun in connection with psychology with regard to feelings or emotion - something that credit score watchers would be more in tune with!

If, however, credit scoring is effected by changes in regulations, it is a mechanical usage, rather than emotive.

Sorry to interrupt your busy morning, it's 15:35hrs here and I am waiting for the Q3 GDP UK figures.

Felicity King-Evans:

Bah, Fridays are my busiest mornings but I love a grammar debate!

I won't do grammer but I will do logic. Applying once or twice has a minimal effect (or should that be affect), and only lasts 12 months. Why not ask about all the other pernicious effects such as "unannounced" defaults and payment markers resulting from disputed billing all of which last for 6 years?

And perhaps more closely connected with your question, "searches" which should be "quotations" but for the incompetence of the searching organisation.

To return to the logic of the question, apart from the narrow issue immediately above, multiple "searches" occur when previous "searches" have resulted in an unsuccessful application which has been unsuccessful for reasons other than the number of "searches".

So had "irrelevent" been one of the questions that's how I would have answered.

Skywalker - I always steer clear of the forum after a glass of wine - but then I'm a MS employee :)

I'm also looking forward to the Q3 results!

Jalexa - I agree that there's a complex issue here that perhaps isn't done justice through the neccessarily brief poll format, but I do find the snapshot of opinion useful and informative.

I really ought to go and do some work now!

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Felicity King-Evans, Deputy Site Editor
felicity.king-evans @ moneysupermarket.com