Sub Prime Credit Thread Part II

Brian1966

Innocent_Guy wrote: »

I assume that the will upgrade you now they see your worthiness. Its mad because I can get cheque guarnetee cards no problem...... Do natwest offer pre-approvals?

As far as I'm aware they use some form of internal scoring but not sure how it works.
My wages go in fortnightly, I have savings, no bounced cheques or direct debits so shouldn't be seen as too bad of a risk Also pay £12.95 per month for the account.

Innocent_Guy

Nomoredebtnow wrote: »

l started to clean up my file couple months ago abit late and also move house too. Just registered electoral roll last month only have basic bank a/c. Will wait couple month try to appy something.

Cool,

I'm off anyway.

Night all!!!!!

( Sutton I will keep you posted with the SARs mate )

Nomoredebtnow

Brian1966 wrote: »

As far as I'm aware they use some form of internal scoring but not sure how it works.
My wages go in fortnightly, I have savings, no bounced cheques or direct debits so shouldn't be seen as too bad of a risk Also pay £12.95 per month for the account.

Hello mate you paid over £150 a year they better upgrade you soon.

Brian1966

Nomoredebtnow wrote: »

Hello mate you paid over £150 a year they better upgrade you soon.

If they don't I'm off to TSB or Barclays..
Only real benefit I use (or may do at some point) is the car breakdown cover.
Also get a bonus on my ISA but thats it.
Have mobile phone insurance which I dont use, bought an N95 8GB off a friend, worth a few quid but not covered without proof of purchase :mad:

sutton111

Brian1966 wrote: »

If they don't I'm off to TSB or Barclays..
Only real benefit I use (or may do at some point) is the car breakdown cover.
Also get a bonus on my ISA but thats it.
Have mobile phone insurance which I dont use, bought an N95 8GB off a friend, worth a few quid but not covered without proof of purchase :mad:

Brian have you asked for one?

You can go into a branch put up a Servicecard 100 application form and they should send you one.

If I were you I would apply for one if they say no then go to Lloydstsb or Barclays maybe even HSBC.

sutton111

Innocent_Guy wrote: »

Cool,

I'm off anyway.

Night all!!!!!

( Sutton I will keep you posted with the SARs mate )

Good Night Innocent, I'm off to bed myself now.

Brian1966

sutton111 wrote: »

Brian have you asked for one?

You can go into a branch put up a Servicecard 100 application form and they should send you one.

If I were you I would apply for one if they say no then go to Lloydstsb or Barclays maybe even HSBC.

Hi Sutton.. Not applied for one yet, hardly ever go to branch, do everything online but need to try.
Have thought of applying to Llloyds as my experian is relatively good, Barclays rejected me last year but again I have lots more POSITIVE history now which should help.

sutton111

Brian1966 wrote: »

Hi Sutton.. Not applied for one yet, hardly ever go to branch, do everything online but need to try.
Have thought of applying to Llloyds as my experian is relatively good, Barclays rejected me last year but again I have lots more POSITIVE history now which should help.

Try applying on-line for a classic account with Lloyds it can't do no harm.

I was with Natwest for years and they wouldn't give you the steam off their pi*s.

Brian1966

sutton111 wrote: »

Try applying on-line for a classic account with Lloyds it can't do no harm.

I was with Natwest for years and they wouldn't give you the steam off there pi*s.

You are probably right there. Applied for credit card and overdraft with Natwest online, BIG FAT NO each time. May give it one last shot, main problem is they seem to Equifax first, my Equifax is worse than Experian.. Still trying to get duplicate Cabot default removed without much success :mad:

sutton111

Brian1966 wrote: »

You are probably right there. Applied for credit card and overdraft with Natwest online, BIG FAT NO each time. May give it one last shot, main problem is they seem to Equifax first, my Equifax is worse than Experian.. Still trying to get duplicate Cabot default removed without much success :mad:

I've had the pleasure of having a default with Cabot . They duplicated one on my Credit file one from my old address and one from my new address, I got i removed by filling an on-line dispute with Equifax.

Have you filled out an on-line dispute? If they say no after 28 days report them to the ICO.

If you can proof it's a duplicate you could even go to the County Court to have it removed.

It really annoys me that the CRA's believe the companies over the consumers.