Sub Prime Credit Thread Part II

never-in-doubt

sutton111 wrote: »

So Experian and Equifax show your CIFAS and everything else then.

What's pointless about the rest then?

Yes mate, it showed across the board. Dunno about CallCredit cos they haven't sent SAR yet but they are useless anyway so aint worries about them!

Experian DA is now hunters/experian
Synectics only show stuff if you've used mail order and/or employment stuff
Cifas - same info is on the CRA SAR's

sutton111

never-in-doubt wrote: »

Yes mate, it showed across the board. Dunno about CallCredit cos they haven't sent SAR yet but they are useless anyway so aint worries about them!

Experian DA is now hunters/experian
Synectics only show stuff if you've used mail order and/or employment stuff
Cifas - same info is on the CRA SAR's

You're a fountain of knowledge.

Thanks.

sutton111

BRB going to have my tea. Yum Yum.

never-in-doubt

sutton111 wrote: »

You're a fountain of knowledge.

Thanks.

lol well pointless doing what I done and spending a tenner to get a letter saying that they hold no data and are unlikely to in the future because they are no longer fraud prevention agencies! Waste of time mate.

In a nutshell, experian is the best to get - they have everything including employment fraud, gone away details, cifas, catalogue fraud, trace fraud the lot!

Equifax is a little less informative than Experian but they dont link with hunters like Experian (i.e. they don't own hunters)

Hunters - owned by experian, completes the picture by sending you the details of all applications made such as:

Lender: Barclaycard
Type of Account: Credit Card
Application method: Internet

then the details I used such as:

date of application
name used
dob used
address used
time at employment declared

etc etc

then next to it it shows the true figure and this shows any lies by flagging it FRAUD WARNING none-the-less

Therefore only SAR the 3 cra's and N Hunter and you'll see what they all know about you.

Hope this helps mate!

P.S - hunter does not show any account history or performance data - purely fraud and application irregularities are shown on this SAR.....

clio

Cheers N-I-D / Sutton
So just because ive been searched - other lenders who sneek around like MBNA/Virign wont know what them searches are. If i request a CL increase i'm searched if i apply same day for NEW CC i'm searched.

So if you have no searches in 6 months is that good for me or are searches only a small part of the credit scoring system??

Sutton asda have a credit card call center up in newcastle and i'm allways chatting about the toon.
I even got an extra 3 months on a repeat BT coz I done his head in. Should off been 6 months but got
new customer rate of 9 months good eh:)

never-in-doubt

clio wrote: »

Cheers N-I-D / Sutton
So just because ive been searched - other lenders who sneek around like MBNA/Virign wont know what them searches are. If i request a CL increase i'm searched if i apply same day for NEW CC i'm searched.

I think you'll be fine if you do this, so long as you haven't had like 20 searches in last 6mths. If you get 5 a day it isn't bad! maybe you do all finances at a certain point in the year, like bonus day (assume you're a banker) - then you clear all credit and close accounts and apply for 5 more.... see how it can be a legit reason?

clio wrote: »

So if you have no searches in 6 months is that good for me or are searches only a small part of the credit scoring system??

Yes, its very good. It shows lenders you aren't desperate for credit and also shows stability..... if you've no searches in last 6 month and your credit is generally good then you should get accepted a lot in my opinion.... obviosuly depends on work/commitments etc but you know what I mean....

clio wrote: »

Sutton asda have a credit card call center up in newcastle and i'm allways chatting about the toon.
I even got an extra 3 months on a repeat BT coz I done his head in. Should off been 6 months but got
new customer rate of 9 months good eh:)

That is good but Asda also run from Leeds (GE Money) so be careful, they hate Geordies from the days you took their players etc - lol - pathetic leeds utd!!!

sutton111

never-in-doubt wrote: »

lol well pointless doing what I done and spending a tenner to get a letter saying that they hold no data and are unlikely to in the future because they are no longer fraud prevention agencies! Waste of time mate.

In a nutshell, experian is the best to get - they have everything including employment fraud, gone away details, cifas, catalogue fraud, trace fraud the lot!

Equifax is a little less informative than Experian but they dont link with hunters like Experian (i.e. they don't own hunters)

Hunters - owned by experian, completes the picture by sending you the details of all applications made such as:

Lender: Barclaycard
Type of Account: Credit Card
Application method: Internet

then the details I used such as:

date of application
name used
dob used
address used
time at employment declared

etc etc

then next to it it shows the true figure and this shows any lies by flagging it FRAUD WARNING none-the-less

Therefore only SAR the 3 cra's and N Hunter and you'll see what they all know about you.

Hope this helps mate!

P.S - hunter does not show any account history or performance data - purely fraud and application irregularities are shown on this SAR.....

Any other info you want to share?

never-in-doubt

sutton111 wrote: »

Any other info you want to share?

yes mate, what do you want to know? LOL - within reason you randy beggar

Enjoy your tea? What was on your menu then? Nookie or food type tea? hehe

never-in-doubt

where is innocent? He has been quiet tonight..... bet his Mrs has kicked his ars for spending more time with us than her!!! LOL Poor chap :-)

sutton111

never-in-doubt wrote: »

yes mate, what do you want to know? LOL - within reason you randy beggar

Enjoy your tea? What was on your menu then? Nookie or food type tea? hehe

It was Chicken and Roasted Vegetables and jacket potatoes. lol

Well just expand on your S.A.R's really!!

Can you post the template please.