I am amazed though that there would even be a 'slight' chance of it affecting any decsion that a potential lender would have made. We never really know what goes on behind these institutions do we and are really at the mercy of their individual and inconsistent decisions of that particular day or moment. Again its extremely annoying that ...

Well I think you all have just provided me with an answer to my original forum headed 'CREDIT HISTORY!!!''. I have a notice of correction on my two credit files which state that I am not responsibile for any of my ex husbands financial dealings and that I am totally independant from him. He has an IVA and had money problems when he left me. I had ...

Can I ask what rate you had and on how much and over what period? Tracey

Thank you Dave. I will try this and see what the outcome is. I am reluctant to try another c/card company as I think this only aggrevates your credit score, so I will try Sky card again.

Yes I might well do that out of peace of mind to be honest. Its extremely annoying and frustrating especially when you know your credit file is ok. Thanks Dem.

I would totally agree the FIRST DIRECT are a cool bank. When my husband left me with a very large mortgage and the whole household to run on my own, together with our very young daughter, they were extremely helpful and supportive. They had no problem helping me in the form of an overdraft and never once hassled me. I would whole heartedly ...

Hi Dem Thank you for replying. I just wanted to ask what you meant by ''i will set up an alert with experian''. How are YOU able to do this? Do you mean for me to set one up? Does anyone know if its worth me going back to the two companies in question (ie Sky Card and Northern Rock) and ask them on what grounds they turned me down? Do they give ...

A few months ago my credit card at the time (Capital One) was coming to the end of its 0% on balance transfers and I decided to apply for another card to pay off this one and start again with another 0% deal. The card I applied for was a Sky card. At the time it was a good deal. I heard nothing for well over a month so I decided to call them. When ...