Sub Prime Credit Thread Part II

sutton111

never-in-doubt wrote: »

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

See I can be useful.

Who uses Hunters then NID? Everyone?

sutton111

Tori_Bellatrix wrote: »

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...

Hi Tori

Yea that's right I remember. You had been on DS for BB hadn't you.

I wonder what they look for as they accepted a few people with defaults as well.

They are such a random company.

Tori_Bellatrix

sutton111 wrote: »

Hi Tori

Yea that's right I remember. You had been on DS for BB hadn't you.

I wonder what they look for as they accepted a few people with defaults as well.

They are such a random company.

That's me .....

Sygma are random .. I can't work them out ... lol ..

never-in-doubt

sutton111 wrote: »

See I can be useful.

Who uses Hunters then NID? Everyone?

yes mate - all lenders but it is built into Experians package who provide it for free to lenders.

Its confusing to explain but experian own it (it used to be MQL software or summat daft)....

sutton111

Tori :-

So you have Egg who are difficult IMO.

What other credit do you have?

never-in-doubt

Tori_Bellatrix wrote: »

Sygma are random .. I can't work them out ... lol ..

Cos they are french! Says it all really...

sutton111

never-in-doubt wrote: »

yes mate - all lenders but it is built into Experians package who provide it for free to lenders.

Its confusing to explain but experian own it (it used to be MQL software or summat daft)....

So who is Experain DA then? You couldn't SAR them could you?

never-in-doubt

sutton111 wrote: »

Hi Tori

Yea that's right I remember. You had been on DS for BB hadn't you.

I wonder what they look for as they accepted a few people with defaults as well.

They are such a random company.

Mate they aren't too fussed about past credit - they seem to be strict on fraud and forget the little things like defaults!

sutton111

never-in-doubt wrote: »

yes mate - all lenders but it is built into Experians package who provide it for free to lenders.

Its confusing to explain but experian own it (it used to be MQL software or summat daft)....

Sygma use Equifax though.

never-in-doubt

sutton111 wrote: »

So who is Experain DA then? You couldn't SAR them could you?

THEY ARE EXPERIAN/HUNER AND MCL SOFTWARE ALL ROLLED INTO ONE FOR THE 500TH TIME!!!