Sub Prime Credit Thread Part II

sutton111

Brian1966 wrote: »

Can't speak for Sutton but I will settle for.. 2 bacon, 3 sausage, 2 eggs, black pudding and beans.
2 toast, tea with one sugar, used to be 2 but I'm watching my wasteline :j

I'm not keen on too much fat/sugar either, I try and keep myself in shape. :j

Grilled bacon, poached egg and beans would be okay for your waste line!! Lol.

OJ and 1 piece of toast.

Doshamento

sutton111 wrote: »

No National Hunter don't hold credit information just fraud information.

Experian nor Equifax would tell you even if you did have one, I don't think they are allowed to. You would have to contact CIFAS, it may be worth while just to make sure.

Perhaps i'm being paranoid as I was refused an Express account and Vanquis card - all of which searched Experian. I have had lots of declines with companies searching Ex...So maybe am presuming that my Experian file has something 'dodgy' on it that I cannot see??

On the other hand, I have just recently been successful in getting a catalogue who searched......Equi.:D

In the interim, it still will not hurt sending out these Subject Access Requests etc.....and seeing what comes back?

sutton111

Doshamento wrote: »

Perhaps i'm being paranoid as I was refused an Express account and Vanquis card - all of which searched Experian. I have had lots of declines with companies searching Ex...So maybe am presuming that my Experian file has something 'dodgy' on it that I cannot see??

On the other hand, I have just recently been successful in getting a catalogue who searched......Equi.:D

In the interim, it still will not hurt sending out these Subject Access Requests etc.....and seeing what comes back?

If you had CIFAS information it would be on both Experian and Equifax it would be viewable to the lender, not too yourself.

I got declined for Vanquis, they could of tightened their criteria! I hope that's the reason

Brian1966

sutton111 wrote: »

I'm not keen on too much fat/sugar either, I try and keep myself in shape. :j

Grilled bacon, poached egg and beans would be okay for your waste line!! Lol.

OJ and 1 piece of toast.

My job.. (coach driver) doesn't help with trying to maintain a healthy diet. Pull into services on motorway, heart says.. salad sandwich and a glass of mineral water.. Brain says f**k the heart have a greasy fry up :rotfl: :rotfl:

ged1980

Brian1966 wrote: »

My job.. (coach driver) doesn't help with trying to maintain a healthy diet. Pull into services on motorway, heart says.. salad sandwich and a glass of mineral water.. Brain says f**k the heart have a greasy fry up :rotfl: :rotfl:

been there brian i work for first bus now got sick of long trips tips were good though lol

sutton111

Brian1966 wrote: »

My job.. (coach driver) doesn't help with trying to maintain a healthy diet. Pull into services on motorway, heart says.. salad sandwich and a glass of mineral water.. Brain says f**k the heart have a greasy fry up :rotfl: :rotfl:

:rotfl: :rotfl:

It just the way I am, I'm not keen on fatty, sugary things.

I go to the Gym so I don't want to waste the money. Especially when it's £42 per bloody month.

ged1980

sutton111 wrote: »

:rotfl: :rotfl:

It just the way I am, I'm not keen on fatty, sugary things.

I go to the Gym so I don't want to waste the money. Especially when it's £42 per bloody month.

im same m8 only use sweetners in coffee but like sugar an my cornflakes :rotfl: :rotfl:

Doshamento

sutton111 wrote: »

Experian nor Equifax would tell you even if you did have one, I don't think they are allowed to.

I can quite believe that - and a right bunch of helpful 'so and so's..they are too.

Speaking of Equifax, I had to query the removal of some incorrect information with them regarding Express Gifts setting up an account on my file after they had declined me an account in the first place.

At some point in the conversation, I mentioned the other lesser known CRA CallCredit and was told by the advisor that CallCredit receive their information data 'second hand' from Equifax.

sutton111

ged1980 wrote: »

im same m8 only use sweetners in coffee but like sugar an my cornflakes :rotfl: :rotfl:

A few inches thick? lol

My Grandad loved loads of sugar on Cornflakes with hot milk.

Brian1966

ged1980 wrote: »

been there brian i work for first bus now got sick of long trips tips were good though lol

Tips are the best part of the job :j Can be really boring at times, sitting on a motorway for hrs, passengers expecting you to know where you are going regardless
That said, done stage carriage work and hated it, stoopping at every lamp post :mad: Some good passengers though