Credit Reference Agencies - Who Really Uses Who?! UPDATE

victor-meldrew_4

Innocent_Guy wrote: »

No I applied online, they have viewed my CF so............... I don't know why it would say reffer online and when I called 30seconds later they say decline??? Maybe capital one are to polite to give you an instant decline?

no thats why i asked.we have had online instant decline.which within 3 months turned into online eventual approval.for o/h.
im wondering if it would go through tommorow.??and if you could blag your way out of the extra search.or apply and appeal and blag out of search.
only rambling on becuase the decline doesnt make sense,with our files/history and lots of friends.your stats seem much better than when we got them.
we got them easier than vanquis

victor-meldrew_4

debtdestroyer007 wrote: »

oh btw, i checked my secure message from smile, and the accounts are open. i called them up earlier on, and they said all they wanted was to confirm my Coop Bank details. no further ID needed.
wohoooooo!!!!!:j

congrats:j:j:j:j

victor-meldrew_4

debtdestroyer007 wrote: »

with cap1 once you have been declined, any further applications within 6 months automatically result in a refusal.... it ons of their credit granting criteria. so its best to wait for 6 months unless one wants to appeal.

that is true about there criteria.however we have many cases of not waiting even a month.
lots of people on here have had the same.
perhaps they dont keep records of apps that well.????
this is the case with many cc companys.

victor-meldrew_4

debtdestroyer007 wrote: »

i am tied betwen the John lewis mastercard or next directory......

do the mastercard.
if you get instant approval,do the next staight away.search wouldnt show that quick.

if you get declined on mastercard and even if search showed,it wouldnt affect nexts decission.

debtdestroyer007

just applied for next, here is the answer::mad:

Thank you for applying for a Next Directory account.

Your application will be processed by our Customer Services.

If your application is successful you will receive your account details by post within the next few days.

If you need to contact Next for any further information,
please call our helpdesk on 0844 844 8510.

( Lines Are Open : 7.30 am - 11.00 pm Monday



is this normal?


anyways i am applying for the mastercard now

victor-meldrew_4

debtdestroyer007 wrote: »

just applied for next, here is the answer::mad:

Thank you for applying for a Next Directory account.

Your application will be processed by our Customer Services.

If your application is successful you will receive your account details by post within the next few days.

If you need to contact Next for any further information,
please call our helpdesk on 0844 844 8510.

( Lines Are Open : 7.30 am - 11.00 pm Monday



is this normal?


anyways i am applying for the mastercard now

only had approvals with them.
perhaps it will go through in normal working day.

debtdestroyer007

john lewis declined me for the master card, they def checked equifax, here was their response::mad::mad::mad::mad::mad::mad::mad::mad::mad::mad::mad::mad::mad::mad::silenced:

Online application

Please note that this page will be refreshed.

Your application number is:
XXXXXXXXXX



Sorry, but we have been unable to approve your application. To find out why, and so that we can be sure you have received this message, please click the button below to confirm this.
Thank you for showing an interest in the partnership card™.
For further information on why your application has been declined please write to
partnership card services
PO Box 11403
Birmingham
B3 2YW
quoting your name, address and application number.

debtdestroyer007

i bet its me using 94% of my available credit thats gone against me. anyways i am going to appeal!!!!!

Innocent_Guy

debtdestroyer007 wrote: »

with cap1 once you have been declined, any further applications within 6 months automatically result in a refusal.... it ons of their credit granting criteria. so its best to wait for 6 months unless one wants to appeal.

I applied within 6 months!!! :eek::eek::eek::eek:

Effect got accepted with 6 months tho

Innocent_Guy

victor-meldrew wrote: »

no thats why i asked.we have had online instant decline.which within 3 months turned into online eventual approval.for o/h.
im wondering if it would go through tommorow.??and if you could blag your way out of the extra search.or apply and appeal and blag out of search.
only rambling on becuase the decline doesnt make sense,with our files/history and lots of friends.your stats seem much better than when we got them.
we got them easier than vanquis

I know !!!!!!!!!!!!!!!!!! My friend with defaults got cap one!!!!! I will appeal........