Credit Reference Agencies - Who Really Uses Who?! UPDATE

Innocent_Guy

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

Call them up mate, that is not standard........ Unless you didn't place an order?

Mine told me CL and account setup straight away

Innocent_Guy

victor-meldrew wrote: »

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

I did mine yesterday ( Bank holiday Sunday? )

Innocent_Guy

debtdestroyer007 wrote: »

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.

That's ridiculous............. How annoying

Innocent_Guy

Going back onto the Sub-Prime thread

hack2009

When I applied for my Next account last year I got an instant acceptance and that was with 1 CCJ and 2 defaults at the time. Granted they were nearly 6 years old though.

Innocent_Guy

hack2009 wrote: »

When I applied for my Next account last year I got an instant acceptance and that was with 1 CCJ and 2 defaults at the time. Granted they were nearly 6 years old though.

DD must be accepted because he has a good CF I believe

debtdestroyer007

Innocent_Guy wrote: »

Call them up mate, that is not standard........ Unless you didn't place an order?

Mine told me CL and account setup straight away

i phoned them up and they can t even find my original application, so they did another one and that too they said is being processed and they will write to me in the next few days....:mad:
they better not do two applications, ill be monitoring my equifax file!!!!!

Innocent_Guy

debtdestroyer007 wrote: »

i phoned them up and they can t even find my original application, so they did another one and that too they said is being processed and they will write to me in the next few days....:mad:
they better not do two applications, ill be monitoring my equifax file!!!!!

The likely hood is

debtdestroyer007

hack2009 wrote: »

When I applied for my Next account last year I got an instant acceptance and that was with 1 CCJ and 2 defaults at the time. Granted they were nearly 6 years old though.

thats possibly why, the more historic the adverse, the less impact it has on credit scoring

Innocent_Guy

debtdestroyer007 wrote: »

thats possibly why, the more historic the adverse, the less impact it has on credit scoring

You dont have adverse tho do you?