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Sub Prime Credit Thread Part II

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Comments

  • kpnut79
    kpnut79 Posts: 193 Forumite
    Yeah they are quite good with credit increases!
    :eek: Debts: Capitalone £0, Vanquis £220, LX Direct £1197, Mutual £1107, JD Williams £23 :eek:
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    kpnut79 wrote: »
    Hi Sutton,

    Could well be although I thought they couldn't decline for that reason only.. I thought they had to do extra checks which proved that it was a risk of fraud before they could decline for that reason.

    However Sygma have said they will not remove the Cifas, however they will do reviews and remove it once they think the threat is no longer viable.


    You're right they should do extra checks but it looks like lender jsut say no staight away.
  • TheEffect
    TheEffect Posts: 2,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    My Aqua PIN number just came through the post. Not quite sure why they sent me a PIN number before the card, but it seas in the letter the card will follow within a few days...
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    TheEffect wrote: »
    My Aqua PIN number just came through the post. Not quite sure why they sent me a PIN number before the card, but it seas in the letter the card will follow within a few days...


    Bloody hell, you still haven't received your card. How long is it now.
  • TheEffect
    TheEffect Posts: 2,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    sutton111 wrote: »
    Bloody hell, you still haven't received your card. How long is it now.

    Applied on the 23rd January. Got a credit agreement and returned it... 12 days ago. Have just received the PIN this morning and told the card will follow within a few days.

    I'm now going to have to go through all of this again with Vanquis, as they've just accepted me and want ID. :mad:
  • seeya23
    seeya23 Posts: 2,330 Forumite
    pin always come first
  • TheEffect
    TheEffect Posts: 2,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    allthingsconsidered2009 wrote: »
    why do Vanquis need ID? They've not asked me for any.

    Probably because my credit report is totally blank with no active accounts on it, so they can't prove who I am or even if I'm a real person... (My guess anyway)
  • TheEffect
    TheEffect Posts: 2,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    allthingsconsidered2009 wrote: »
    Why is your credit report blank Effect?

    I only turned 18, two or three months ago. :p
  • cifpower
    cifpower Posts: 6,502 Forumite
    My cheque to pay off my Next account cleared today and I just used my debit card to pay off my Ulster Bank card so at the moment I am debt free! :D
  • seeya23
    seeya23 Posts: 2,330 Forumite
    cifpower wrote: »
    My cheque to pay off my Next account cleared today and I just used my debit card to pay off my Ulster Bank card so at the moment I am debt free! :D
    have you got your new laptop yet
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