Sub Prime Credit Thread Part II

sutton111

seeya23 wrote: »

no not yet:beer:

I suppose you are just building your credit up with the your current credit lines.

seeya23

yes i am dont need any more at the mo

Innocent_Guy

sutton111 wrote: »

On Experian I have 22 searches in the last 12 months.

On Equifax I have 23, but quite a few for "outstanding debt" all to the one company I have paid off. Why they have done so many only God knows.

I've filled in an on-line dispute to get the companies in question to remove them because I have paid them off.

I have only got 4 searches on my Equifax file 3 from the same company. Do you think that I should still apply with lenders that search EQ?

Innocent_Guy

sutton111 wrote: »

Good!! Yes I would like to know the responses, it would be very interesting to find out what particular data they hold on someone, far to much probably.

I did read through the mountain of posts this morning between yourself and never-in-doubt. Enlightening!!

I was once accused by the RAC as frontin an insurance policy so I hope it will contain the stuff they have said about me.

sutton111

You could give it a go.

Barclaycard and Sygma use Equifax only.

Shop Direct Group which comprises of Littlewoods, Great Universal etc also use Equifax exclusively to search. They report there data to all three CRA's. HTH

sutton111

Innocent_Guy wrote: »

I was once accused by the RAC as frontin an insurance policy so I hope it will contain the stuff they have said about me.

So RAC basically accused you of insurance fraud!!

Any particular reason why they did that?

Tef

Well I intend appealing to Vanquis, P.O. and MBNA using that appeal template that was a few posts back. Thay can only say no.. (Again lol)
Regards

Innocent_Guy

sutton111 wrote: »

You could give it a go.

Barclaycard and Sygma use Equifax only.

Shop Direct Group which comprises of Littlewoods, Great Universal etc also use Equifax exclusively to search. They report there data to all three CRA's. HTH

Thanks! I think that Sigma give you cifas for no reason and really cbb with sorting that out. I am awaiting a descion from Barclaycard aswell. I may try littlewoods.

Innocent_Guy

sutton111 wrote: »

So RAC basically accused you of insurance fraud!!

Any particular reason why they did that?

Well, a few years ago my dad insured me on his car as a named driver. Once I borrowed his car whilst he was on holiday and crashed it ( albiet not my fault ) The lady slipped up and basically said that RAC are not sure that my dad owns the car and they think that it belongs to me!

never-in-doubt

Tef wrote: »

Well I intend appealing to Vanquis, P.O. and MBNA using that appeal template that was a few posts back. Thay can only say no.. (Again lol)
Regards

Heyup mate - Is that my appeal to Bank of Ireland or a new one....?