Credit checks

[pinkyexcel]

I looked at my credit history for the first time last month after being refused a credit card for the first time, in spite of a flawless payment record.

I have nine addresses linked from moving house every 6 months

SEVEN credit checks by william hill over 6 months
One credit check by wagerworks and one by DONE BROTHERS ( CASH BETTING ) LTD.

It might not be related to why I was refused the card, since I'm only now working part-time, but so many credit checks by bookies can't look good.

Has anyone noticed anything similar?

Why did william hill need to check so often... I might ask them

[foofi22]

I may be wrong but...I think that the 'credit checks' done by Will Hill and Betfred (Done Brothers) are in fact identity/address checks. They won't show on your credit file to any organisations checking your history or score, so don't worry about them.

My file shows a check from William Hill, there may have been more since I haven't checked since. The reason Will Hill has checked so many times may be related to every time you move house?

The more likely reason for being refused is moving house every six months, although sometimes you just get refused and never know why!

[LosEndos]

If you have a Capital One credit card (in use or dormant) then you can get a year's free membership of Equifax credit checking and Identity Theft prevention scheme.

You get two free credit reports per year and a monthly 'what’s changed on your record' email.

Not got a Cap One? - then get one! You don't even have to use it, but it gives you access to the reports...

[bella]

I agree , I'm pretty sure it's purely down to house move rather than them just checking up on everyone all the time.. Pretty surprsied they do that btw..

[CountryLad]

As Foofi says, It's nothing to worry about, since it's an identity/fraud prevention check rather than a credit check, and only you and the credit check agency can see these ID checks.

[pinkyexcel]

although sometimes you just get refused and never know why!

They didn't even tell me I'd been refused... I rang up and the customer services guy just said it was awaiting appeal from me and could give me no further info. Very annoying.

Thanks for all your responses everyone! I thought that they could see what I could see - relieved to know that some stuff is actually privateish.

[cleaner]

As already said, these are id checks not credit ones.
Only spreadbetting companies do credit checks and those bookies which you have credit account with (very useful for long term bets).

As for refusing card, well...
[ame="http://www.youtube.com/watch?v=0ZAoMv_QnAU"]YouTube- Little britain. Computer says No.[/ame]

[DireEmblem]

What it could be, is that someone else either in your current/previous address had a bad credit history, which has flagged up on your account since you have lived in the same property at some point.

Surely your credit report would point you towards the culprit?

[pinkyexcel]

What it could be, is that someone else either in your current/previous address had a bad credit history, which has flagged up on your account since you have lived in the same property at some point.

Surely your credit report would point you towards the culprit?

Apparently bad credit history is only attached to people not addresses, so it won't be that. I reckon it's probably the fact I have moved a lot over recent years combined with the fact I earn a fraction of what I used to. I already have a credit card and now I have a mortgage attached to my name.

I do wish I could speak to the computer says no operator and ask why though!

[munk]

See also: The Gambling Times - Threads Tagged with credit report (only one other link!)

I started getting my credit report on a 6 monthly basis, but there wasn't a lot there really from one report to the next, so I just do it once a year now.

Here's the links for the statutory (£2) report pages on the 3 main credit ref agencies if anyone needs them:

Experian WiseConsumer
https://www.econsumer.equifax.co.uk/...erletter.ehtml
Credit Check | Credit Report and Rating