Sub Prime Credit Thread Part II

never-in-doubt

Innocent_Guy wrote: »

Do all them searches belong to you?

Yes mate, the stuff that aint mine is over 4 years old so doesnt show under searches in last 6 months - 6 months LOL

Regards to Tesco, try them mate - you prob will get accepted but remember they do checks again at the time you return forms - I explained this last week when you said to someone that it was an accept and I said nooo hold your horses - proved that with yet another accept online/decline letter! Bummer.

I think once you pass the system 'score' then you get accepted but then someone looks at it in detail which then creates a decline.

Bummer but hey ho!

never-in-doubt

Innocent_Guy wrote: »

TBH I am suprised you get accepted for all that but me and sutton get declined...

Yea cos Ive got a full bank a/c and 3 credit cards mate - at the time I applied my experian was empty (it was blank until Jan 2009) so I used that to appeal and won. Now my experian is screwed cos they linked me to my old address and now have ermmm, 300 searches in last 12 months!

Innocent_Guy

never-in-doubt wrote: »

Yes mate, the stuff that aint mine is over 4 years old so doesnt show under searches in last 6 months - 6 months LOL

Regards to Tesco, try them mate - you prob will get accepted but remember they do checks again at the time you return forms - I explained this last week when you said to someone that it was an accept and I said nooo hold your horses - proved that with yet another accept online/decline letter! Bummer.

I think once you pass the system 'score' then you get accepted but then someone looks at it in detail which then creates a decline.

Bummer but hey ho!

They are Experian aren't they ( Dont shout if you have already told me ) :rotfl:

never-in-doubt

Innocent_Guy wrote: »

They are Experian aren't they ( Dont shout if you have already told me ) :rotfl:

Yes but I used that to appeal.... I said that equifax was in process of deleting and until they have done it, please see my recent experian file. Also, all people who I have account with primarily use experian with equifax as a secondary search so when I showed them my experian report they used it (I sent the original off in post)

BOI - Experian
HSBC - Experian
BOI - Experian
Vanquis - Experian

Innocent_Guy

never-in-doubt wrote: »

Yes but I used that to appeal.... I said that equifax was in process of deleting and until they have done it, please see my recent experian file. Also, all people who I have account with primarily use experian with equifax as a secondary search so when I showed them my experian report they used it (I sent the original off in post)

BOI - Experian
HSBC - Experian
BOI - Experian
Vanquis - Experian

Cool. Has anyone else tried Tesco? Someone said they were really hard

never-in-doubt

Innocent_Guy wrote: »

Cool. Has anyone else tried Tesco? Someone said they were really hard

used to be - not now mate, they are easy.... I been accepted for natwest cards all the time but when I send paperwork off they decline me as they do manual searches.

try it - go for it mate, bet you get one with a £250-£500 limit.... minimum

never-in-doubt

Look:

http://www.tescofinance.com/personal/finance/finance/creditcards/index.jsp

Credit Scoring: http://www.tescofinance.com/personal/finance/finance/creditcards/elh/what-factors-affect-a-credit-rating.html

Or what doesnt count toward score: http://www.tescofinance.com/personal/finance/finance/creditcards/elh/what-doesnt-count-towards-a-credit-score.html

quote:
Scoring models do not take into account:

• age
• race
• sex
• job or length of employment at your job
• income
• education
• marital status
• whether you've been turned down for credit
• length of time at your current address
• whether you own a home or rent
• information not contained in your credit report

Innocent_Guy

never-in-doubt wrote: »

used to be - not now mate, they are easy.... I been accepted for natwest cards all the time but when I send paperwork off they decline me as they do manual searches.

try it - go for it mate, bet you get one with a £250-£500 limit.... minimum

But Capital one is meant to be easy and they declined me lol:rotfl:

never-in-doubt

From Tesco:

Your credit rating

As part of the assessment process for a Tesco Credit Card, we consult a credit reference agency.
They hold different types of information, of which some will be relevant to your application. For instance, they hold details of who is on the electoral roll, court judgments, credit account performances, number of recent credit inquiries, and bankruptcies.



Tesco Personal Finance uses a company called Experian to check applicants' credit history. If you are turned down for credit, this is not a decision made by Experian, but by Tesco Personal Finance, based on our own criteria.
If you would like to see what information is held about you at the credit reference agency, you can do this by accessing their website www.experian.co.uk (new window).Please note a fee may be charged.

never-in-doubt

Innocent_Guy wrote: »

But Capital one is meant to be easy and they declined me lol:rotfl:

try tesco mate go on, what you got to lose? bet you get accepted, provisionally anyway! lol