Sub Prime Credit Thread Part II

Innocent_Guy

victor-meldrew wrote: »

hsbc guy did say last week currently they are searching all three.didnt say for what.

ss can you confirm? Thanks

claire6hy

duggie1982 wrote: »

Claire's got my vote :rotfl:

sutton111 wrote: »

:rotfl::rotfl:;)

2 votes for me then lol
x

victor-meldrew_4

Innocent_Guy wrote: »

Does the limit update on the first monday of every month?

sounds silly ive never took any notice.i will check this month.
the good thing weve learnt is every time you change it up or down it resets for a year.
as a matter of interest halifax,since my recent application fest,and abbey,have removed my preapproved account offer.the loan is still there.

victor-meldrew_4

Innocent_Guy wrote: »

ss can you confirm? Thanks

do you mean can i confirm what he said.if so then yes.
we discussed getting an account.he wobbled over searches.
disscussed how there best customers,i think he meant from that branch,were being declined credit cards,and how they were supprised.
metioned they are searching all three
then he said he had sent his sisters to halifax
deffo said all three

Innocent_Guy

victor-meldrew wrote: »

sounds silly ive never took any notice.i will check this month.
the good thing weve learnt is every time you change it up or down it resets for a year.
as a matter of interest halifax,since my recent application fest,and abbey,have removed my preapproved account offer.the loan is still there.

How did you know abbey offered you a pre-approval?

Innocent_Guy

victor-meldrew wrote: »

do you mean can i confirm what he said.if so then yes.
we discussed getting an account.he wobbled over searches.
disscussed how there best customers,i think he meant from that branch,were being declined credit cards,and how they were supprised.
metioned they are searching all three
then he said he had sent his sisters to halifax
deffo said all three

Cool, how many searches did you show / tell him you had?

victor-meldrew_4

Innocent_Guy wrote: »

How did you know abbey offered you a pre-approval?

halifax pre approval.
i posted the loan up,which was slightly tailored to me.
i also had an account one.
i still get the account one flashing up,but thats the instant log on one everyone gets like the credit card.
or basicly before i was getting two account offers,one more personal.and when i was in my account properly

Innocent_Guy

victor-meldrew wrote: »

halifax pre approval.
i posted the loan up,which was slightly tailored to me.
i also had an account one.
i still get the account one flashing up,but thats the instant log on one everyone gets like the credit card.
or basicly before i was getting two account offers,one more personal.and when i was in my account properly

Ohhh ok..........

victor-meldrew_4

Innocent_Guy wrote: »

Cool, how many searches did you show / tell him you had?

30 for the year on experian,9 within 6 months
9 on equifax 6 within 6 months.
i gave him my reports so he could see all green zeros etc etc .
all he,and halifax in there terms,said on searches was,a clear month is needed.
he said come back next month ,approved no probs.

Innocent_Guy

victor-meldrew wrote: »

30 for the year on experian,9 within 6 months
9 on equifax 6 within 6 months.
i gave him my reports so he could see all green zeros etc etc .
all he,and halifax in there terms,said on searches was,a clear month is needed.
he said come back next month ,approved no probs.

Oh ok, so Halifax require 1 month with no searches