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Sub Prime Credit Thread Part II

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Comments

  • love_the_messenger
    love_the_messenger Posts: 238 Forumite
    cifpower wrote: »
    Credit score

    they'd decline me then as my credit score is very close to zero:beer:
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    cifpower wrote: »
    I had a decline like that from First Direct a few years ago. It said "your file contains no derogatory information."


    So if you have no bad information why did they turn you down?

    Co-op did the same didn't they. It's probably your CIFAS marker, don't you think?
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    cifpower wrote: »
    Credit score

    Sorry you have just answered my question. Nevermind.
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    love_the_messenger wrote: »
    they'd decline me then as my credit score is very close to zero:beer:
    Each lender has it's own scoring technique. Those ones from Experian are just a gimmick and therefore a total waste of money IMO.
  • victor-meldrew_4
    victor-meldrew_4 Posts: 763 Forumite
    sutton111 wrote: »
    Each lender has it's own scoring technique. Those ones from Experian are just a gimmick and therefore a total waste of money IMO.

    they must be a good indicator though?
    my eq is clean with no electoral roll and 8 searches for the year.the tips they give to improve was e/r,ill see the score change next month on that,and searches were too high.i didnt think 8 for 12 months was that bad ?
    littlewoods/littlewoods direct/marshall ward/kays/greatuniversal/empire stores/addittions/grattans/next/ambrose wilson.barclay card/cap1/bos/vanquis gold/vodafone/3 .dell finance/currys finance
    Official SOS Club number 009 - Dry until 18.11.2009
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    victor-meldrew wrote: »
    they must be a good indicator though?
    my eq is clean with no electoral roll and 8 searches for the year.the tips they give to improve was e/r,ill see the score change next month on that,and searches were too high.i didnt think 8 for 12 months was that bad ?

    I personal don't think they are. I have a credit score of 433. I can't even get a Vanquis credit card. Proliant has a credit score of 10, he can. The score is total waste of money. IMO

    Each lender has it's own scoring techniques and you could have a score of 999 with Experian and not get credit, while having a score of 750 with Experian gets you a Virgin credit card with 0%.

    IMHO it's a waste of money. I won't be purchasing another one.
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    love_the_messenger wrote: »
    What??????????????

    Wouldn't you know whether your wife has been arrested or not????? Why/how has she defrauded £20k from the bank, doesn't this bother you/her and isn't she going to pay it back?

    Or is your post a joke/sarcasm?

    you are very argumentative :confused:

    almost all ur posts are critical of others posts, try to be nice :D
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Innocent_Guy wrote: »
    BOI are strict as I found out :mad:


    I got one - na na nana nah! :D :rotfl:
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    never-in-doubt wrote: »
    I got one - na na nana nah! :D :rotfl:


    How did you manage to get that card? LOL

    I am actually amazed!
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    sutton111 wrote: »
    How did you manage to get that card? LOL

    I am actually amazed!
    Used his mates name....
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
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