Week 2 check in:
New current account sorted. The card arrived yesterday, so a job for tomorrow is to activate it, then get everything switched automatically over from the one which is closing. And then all done. Good…
Was going to move onto sorting out what to do with the PIP savings in week 3, but have just remembered that my main, and longest-standing, bank (current and savings) accounts are not appearing in my credit report. Which is pants.
CW: Moaning about credit ratings
I had a bunch of phone conversations with someone at the bank about a year ago, and they apparently can’t add it retrospectively, so I lose credit report goodness going back to 1987. Which is treble-pants. So I went off in a huff then about that, and didn’t add it, and then forgot. Which means I’ve now missed yet another year. Which is quintuple-pants…
Going to moan about it, but get them to add it this week. Because if the new landlords do a credit check (and I think they can), then my credit rating is awful. Credit ratings are something which snuck up on the world while I was living abroad, and until recently I had never engaged with them. I still think they’re deeply intrusive and unconscionable. And just give ordinary people more hassle/hoops to have to jump through in life. But the world of money doesn’t give a wotsit what I think or feel does it? That’s the point.
So I need to get that sorted this week instead.
Bonus points if I can also start looking into what’s best for the savings. There’s better interest than I’m already getting in the basic savings account which came with the new current account for example: 0.01% to 0.035% (I think?), so that might be the temporary stopgap play for now. I can always move them again. (Also pending what actually happens with the house).