AO Platinum Member
Join Date: Oct 2005
Location: United Kingdom
County: Greater Manchester
Re: Will my credit card application be accepted?
the information held by credit reference agencies (experian & equifax) is purely factual, there is no "score" or "rating" as such held on file about you. each company you apply to will use this information in different ways to give you a "credit score", which will decide whether they will lend to you or not. it's a black art really and i've yet to hear a straight answer as to what exactly companies take into account, and there can be a very big difference from one to the next. don't forget that these firms often target a particular segment of the population so you could even be declined for being "too good" for them.