Sub Prime Credit Thread Part II

mumofboys_2

Hi Underground - you really are becoming my stalwart!! They have given a list of options, but basically a bank statement and driving license or council tax bill etc.

Creditexpert is asking for ID also. Minefield!!

MOB

sutton111

Rang Equifax and CIFAS don't have to inform CRA's that you have a fraud marker.

Absolutely disgusting.

System

sutton111 wrote: »

Rang Equifax and CIFAS don't have to inform CRA's that you have a fraud marker.

Absolutely disgusting.

Not good is it.

I'd be willing to bet this is a contributory factor as to why we get so many threads along the lines of 'my credit history is perfect but can't get a card'.

You could have the best credit history in the world, but if CIFAS or Hunter say 'no' that's that - and you'd never even know why.

I'm going to SAR them soon to see what they hold, can't believe the cheeky beggars take the full £10 fee!!

UNDERGROUND

never-in-doubt

sutton111 wrote: »

Rang Equifax and CIFAS don't have to inform CRA's that you have a fraud marker.

Absolutely disgusting.

Yep, I have one from Lloyds & Hbos (both cat4 - application fraud - refused) so know they can do it..... nightmare! sorry forgot to say, the lloyds doesnt show on any of my credit files

sutton111

never-in-doubt wrote: »

Yep, I have one from Lloyds & Hbos (both cat4 - application fraud - refused) so know they can do it..... nightmare!

But they are showing on your credit file aren't they?

How old are they?

sutton111

UNDERGROUND wrote: »

Not good is it.

I'd be willing to bet this is a contributory factor as to why we get so many threads along the lines of 'my credit history is perfect but can't get a card'.

You could have the best credit history in the world, but if CIFAS or Hunter say 'no' that's that - and you'd never even know why.

I'm going to SAR them soon to see what they hold, can't believe the cheeky beggars take the full £10 fee!!

UNDERGROUND

I may just do this, I wonder why most are on peoples' credit files and some aren't.

System

sutton111 wrote: »

I may just do this, I wonder why most are on peoples' credit files and some aren't.

Not sure, but I think the whole hiding them thing has only started recently.

As far as I can gather they are actually on your credit file, but are not available for you to see, only companies that credit search you can see them.

Really don't know why these companies are not open and honest, all the secrecy creates suspicion.

UNDERGROUND

mumofboys_2

Just tried Equifax, they want me to send through documents too. I'm going to have no paperwork left at this rate!

sutton111

UNDERGROUND wrote: »

Not sure, but I think the whole hiding them thing has only started recently.

As far as I can gather they are actually on your credit file, but are not available for you to see, only companies that credit search you can see them.

Really don't know why these companies are not open and honest, all the secrecy creates suspicion.

UNDERGROUND

If you go here, there is a forum you fill out. I'm going to do it. I want to know.

never-in-doubt

sutton111 wrote: »

But they are showing on your credit file aren't they?

How old are they?

Hi

Hbos shows as did the sygma one. Lloyds doesn't show though, only know this cos that guy at experian director office told me how many I had (3) and I said no 2. He said no Lloyds have one as well, I said it aint showing on my report and he said yes, they want it to remain confidential as they suspect me of account fraud! !!!!!!! I went mad.

I have had sygma removed but currently arguing the other two. They all went on since xmas - end of jan. Yea, ive made about 12 applications in that period of time but got 5 of the 12 accounts I applied for.