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@surfing_australian Your credit score / history isn’t the only thing that lenders take into account. Your affordability (income vs expenses) is important, and doesn’t appear on your credit history - which is why they ask for it in your application. They will also have a certain profile of...

@surfing_australian The hard search will stay on your credit report for 12 months, not that you were rejected. Having a large amount of hard searches will make you look undesirable to lenders, but a few shouldn’t be too much of an issue.

@sashieng Literally nearly every single post an OP who has a good credit score also has a good credit history. This post even, OP’s credit score reflects what they’ve told us about their history - almost perfect, but a few new accounts from bank switches having a small impact. You can see...

@sashieng I’m repeating myself but your credit history (and therefore credit score) is not the only factor in being accepted for credit. Being rejected for credit despite having a perfect credit score is not evidence that those scores are inaccurate or not useful - because, again, your history...

@sashieng Well there’s naturally going to be a reporting bias - who has ever posted that they’ve been accepted for credit? But more to the point, when people make those posts, they’re told to ignore the score and look at the history - which isn’t helpful if their credit history is spotless...

@sashieng I somewhat disagree with the rhetoric around credit scores that is prevalent on this sub. In my experience the scores CRA’s provide are a fairly good representation of whether your credit history should be a concern to you or not. What’s important to understand though is that your...

@oddexperience Check out /r/beermoneyuk for relatively easy ways to make money on the side. I would start with bank switches if you haven't done those already.

@ilovechrist420 You can look at what the market has priced in by looking at the SONIA swap rates for 1 year, 2 years etc: https://www.chathamfinancial.com/technology/european-market-rates Of course, just because that is what the market currently thinks will happen, doesn't mean it will. I...