Sub Prime Credit Thread Part II

Cash_Flow

sutton111 wrote: »

So HSBC could search Equifax as well. Just Experian for me.

I have never seen (OPT OUT) on my credit file

Innocent_Guy

Anyone have BOI number?

never-in-doubt

Right here you go:

BANK OF IRELAND REJECTION LETTER



BANK OF IRELAND ACCEPTANCE AFTER APPEAL

Innocent_Guy

Cash_Flow wrote: »

I have never seen (OPT OUT) on my credit file

I depends on whether they search you & your partner / associated people

sutton111

Innocent_Guy wrote: »

BTW does inputting your clubcard data improve your chances?

No difference. Told you it's down to the design you chose. You chose the wrong design and it's curtains. LOL:rotfl:

never-in-doubt

Innocent_Guy wrote: »

Anyone have BOI number?

READ LETTERS ABOVE - DO NOT RING MATE - THEY WILL NOT DO ANYTHING YET!

YOU HAVE TO WAIT FOR LETTER TO COME.

Cash_Flow

never-in-doubt wrote: »

Nah mate - Tesco is RBS which means they search Equifax.

Experian main search and Equifax follow up....... look here for proof of this:

I have never seen (OPT OUT) on my crdit file, what does it mean?

never-in-doubt

Innocent_Guy wrote: »

I was advised to apply for it by Sutton & Cif :rotfl: :rotfl: :rotfl:

Oh well

Yes mate and notice neither of them actually have an account with BOI? Thats why I told you to do tesco cos you'd have got accepted - i always get accepted but fail the second checks due to the 6mth block!

never-in-doubt

Cash_Flow wrote: »

I have never seen (OPT OUT) on my crdit file, what does it mean?

OPT Out of sharing info mate

never-in-doubt

Innocent_Guy wrote: »

Anyone have BOI number?

0800 0850 444

select credit cards, then select recent applied for a credit card option 2 I think...