Sub Prime Credit Thread Part II

never-in-doubt

Tori_Bellatrix wrote: »

Did they actually place a CIFAS marker against you or did you just have the unclassified search they were popping on peoples files. I had an unclassified search which I followed up with them at the time. :doh:

nah it was a full blown cifas - application fraud; facility refused marker!!! I had them remove it but still they said no! I dont even want their silly card!

It was the accessory I applied for, not flybe - is flybe easier then or still the same as the accessory one?

Tori_Bellatrix

never-in-doubt wrote: »

yea I bump into you at regular intervals - stalker alert

Lol, Who's the stalker? Me or you ...

never-in-doubt

Tori_Bellatrix wrote: »

Lol, Who's the stalker? Me or you ...

shhhh (me a little bit:eek: ) :A

Tori_Bellatrix

never-in-doubt wrote: »

nah it was a full blown cifas - application fraud; facility refused marker!!! I had them remove it but still they said no! I dont even want their silly card!

It was the accessory I applied for, not flybe - is flybe easier then or still the same as the accessory one?

I don't know, Sygma don't want my business if any shape or form ... lol .... I think I've applied for Flybe, JJB and a DAYS card over quite a long period of time ... all declined ...

Tori_Bellatrix

never-in-doubt wrote: »

shhhh (me a little bit:eek: ) :A

Lol ... :rotfl:

never-in-doubt

Tori_Bellatrix wrote: »

I don't know, Sygma don't want my business if any shape or form ... lol .... I think I've applied for Flybe, JJB and a DAYS card over quite a long period of time ... all declined ...

whats a days card? I don't rate Sygma, to be honest i'm happy with citi and to be fair they gave me a chance and my big credit break lol so i'll stay loyal for a year before doing a runner hahaha (joke)

sutton111

Tori_Bellatrix wrote: »

Did they actually place a CIFAS marker against you or did you just have the unclassified search they were popping on peoples files. I had an unclassified search which I followed up with them at the time. :doh:

Tori they did any unrecorded search for fraud on me but NO CIFAS markers present on my file.

never-in-doubt

ahh this makes sense now. They check everyone that hasn't been at their address for 3 years against N Hunter (fraud check)..... ahhhh - now it tallies up with another bit of data I found lol

Ok, so unless you know for a fact you've got half decent credit file, with no record of fraud then Sygma are worth avoiding - thats clear for all to see.

However, if you aint been at same address or you change employer or something - which doesn't match their N Hunter query, they add a search for fraud marker in the unrecorded area.

Make sense peeps? I understand their logic - its quite simple and easy to beat I guess. I'll work out a way to get round this fraud area and see if anyone wants to be a guinnea pig and apply to them..... Sutton? Where art thou lol

Tori_Bellatrix

never-in-doubt wrote: »

whats a days card? I don't rate Sygma, to be honest i'm happy with citi and to be fair they gave me a chance and my big credit break lol so i'll stay loyal for a year before doing a runner hahaha (joke)

Days is the charity card. 'Donate As You Spend' or something.

I agree about Sygma, I won't apply with them again ..

Tori_Bellatrix

sutton111 wrote: »

Tori they did any unrecorded search for fraud on me but NO CIFAS markers present on my file.

Hi Sutton,

Yeah, I think I remember you posting on the thread that was around when it all kicked off ... :j

I think Sygma have a certain profile of who they want and I just don't fit it regardless of there being nothing horrible on my file...