Sub Prime Credit Thread Part II

never-in-doubt

fairmorn308 wrote: »

what credit agency do they search cause i have my flybe card with equifax and i got a 4k limit with them

BOI search Experian and a soft search with Equifax if you don't pass experian (i.e. not on electoral roll or something doesn't add up)

never-in-doubt

c8ndice wrote: »

I received an email the other day from a woman in Customer Administration who wanted to know my residential status in order to proceed with the application.

I'm sure I didn't miss it out though. I emailed her back but haven't heard anything since.

Bank of Ireland? :beer:

never-in-doubt

Innocent_Guy wrote: »

I appealed their decsion, they replied and advised that I met there credit scoring and I had no adverse on my credit file but still declined
I think this is because there is adverse info regarding me & identity theft on other systems i.e hunter but don't know how these work and what they are called...

Have you seen my post showing the names and web sites of these companies?

Its interesting reading if you have a few hours, but for £2 i've SAR'd them all. I wanna know exactly what they say & think about me!

c8ndice

never-in-doubt wrote: »

Bank of Ireland? :beer:

Yes, sorry. Missed that bit out lol.

I'm not holding out much hope mind you, as I live in a housing association property, which alot of lenders don't seem to like

Innocent_Guy

never-in-doubt wrote: »

Have you seen my post showing the names and web sites of these companies?

Its interesting reading if you have a few hours, but for £2 i've SAR'd them all. I wanna know exactly what they say & think about me!

Thanks

No will search for the thread now......

May sound stupid but what is SAR'd...

Innocent_Guy

Innocent_Guy wrote: »

Thanks

No will search for the thread now......

May sound stupid but what is SAR'd...

Thanks found it on your link in the Vanquis thread

never-in-doubt

Innocent_Guy wrote: »

Thanks

No will search for the thread now......

May sound stupid but what is SAR'd...

subject access request (a screen print and copies of everything they have ever got on you)... look here for relevant posts: #45

or here: http://forums.moneysavingexpert.com/showthread.html?p=19500981#post19500981 for full thread.

never-in-doubt

Innocent_Guy wrote: »

Thanks found it on your link in the Vanquis thread

The main link is here: http://forums.moneysavingexpert.com/showthread.html?p=19500981#post19500981

Nite! Off to bed (see I can be helpful haha) :beer:

Innocent_Guy

never-in-doubt wrote: »

The main link is here: http://forums.moneysavingexpert.com/showthread.html?p=19500981#post19500981

Nite! Off to bed (see I can be helpful haha) :beer:

Nite!

Thanks

System

never-in-doubt wrote: »

Have you seen my post showing the names and web sites of these companies?

Its interesting reading if you have a few hours, but for £2 i've SAR'd them all. I wanna know exactly what they say & think about me!

It'll cost you a tenner each to request a SAR from N Hunter and CIFAS, unfortunately there is no statutory clause that reduces the fee to £2 for these companies - a real pi$$ take if you ask me!

I'd be very interested to see what kind and quantity of data they hold, please let us know when you get it through.

Regards
UNDERGROUND