Sub Prime Credit Thread Part III

Doshamento

Innocent_Guy wrote: »

Just looked and littlwoods have added my accounts to equifax. Weird as it says this

New Credit Agreement Summary Company NameAccount TypeAccount NumberNew InformationLEGAL DIRECT RECOVERIES Mail Order Agency XXXXXX1400

Equifax sent this same name alert to me when my Littlewoods Account was added.

Don't worry Innocent, it sounds alarming initially showing as such, but it IS how they register the account onto your Equifax file.

If you take a look under 'credit agreements', it should show as Shop Direct Finance Company Limited (I) /xxxxxx etc

never-in-doubt

I rung HSBC and said '1st direct offered me a CC with £6400 limit; I dont bank with them, I do with you so how is this possible? If my behaviour score was not acceptable to you why is it to them?

They said 'i'm really sorry Mr N-i-D, your behaviour score is excellent - we are not allowed to tell you what it is but you definitely pre-qualify for a CC'. I applied and said I wanted them to match 1st direct - it went to underwriting anyway LOL

Me thinks a decline a-cummin!

sutton111

never-in-doubt wrote: »

got 1st direct forms today - gulp! will sign and send tomorrow hehe

I really hope you get the account!! More cards for me to look at!! :cool:

My Brother checked his Experian file today for the first time and their is no CCJ or defaults, I can now understand why Vanquis accepted him. :cool:

To celebrate he applied to HSBC for their Plus account. :rotfl:

sutton111

Doshamento wrote: »

Equifax sent this same name alert to me when my Littlewoods Account was added.

Don't worry Innocent, it sounds alarming initially showing as such, but it IS how they register the account onto your Equifax file.

If you take a look under 'credit agreements', it should show as Shop Direct Finance Company Limited (I) /xxxxxx etc

I never get any alerts from Equifax! Even if my file changes.

sutton111

never-in-doubt wrote: »

I rung HSBC and said '1st direct offered me a CC with £6400 limit; I dont bank with them, I do with you so how is this possible? If my behaviour score was not acceptable to you why is it to them?

They said 'i'm really sorry Mr N-i-D, your behaviour score is excellent - we are not allowed to tell you what it is but you definitely pre-qualify for a CC'. I applied and said I wanted them to match 1st direct - it went to underwriting anyway LOL

Me thinks a decline a-cummin!

LOL, When will they let you know?

Doshamento

never-in-doubt wrote: »

I rung HSBC and said '1st direct offered me a CC with £6400 limit; I dont bank with them, I do with you so how is this possible? If my behaviour score was not acceptable to you why is it to them?

They said 'i'm really sorry Mr N-i-D, your behaviour score is excellent - we are not allowed to tell you what it is but you definitely pre-qualify for a CC'. I applied and said I wanted them to match 1st direct - it went to underwriting anyway LOL

Me thinks a decline a-cummin!

Oh don't say that, I've already taken the time and liberty to add Mr Doshamento as an additional card holder to help you with your £6400 spending! :rotfl:

Innocent_Guy

never-in-doubt wrote: »

i told you mate it takes ages to sort out and even then it could still be a no - after they send the CCA!

just wait and see what happens or ring them - then select credit cards and there is an option for recent applications (2)

I may call them, could you please send me the number

Innocent_Guy

Doshamento wrote: »

Equifax sent this same name alert to me when my Littlewoods Account was added.

Don't worry Innocent, it sounds alarming initially showing as such, but it IS how they register the account onto your Equifax file.

If you take a look under 'credit agreements', it should show as Shop Direct Finance Company Limited (I) /xxxxxx etc

It does show as Littlewoods.

Thanks buddy

cifpower

sutton111 wrote: »

I never get any alerts from Equifax! Even if my file changes.

Is your e-mail correct?

Innocent_Guy

never-in-doubt wrote: »

I rung HSBC and said '1st direct offered me a CC with £6400 limit; I dont bank with them, I do with you so how is this possible? If my behaviour score was not acceptable to you why is it to them?

They said 'i'm really sorry Mr N-i-D, your behaviour score is excellent - we are not allowed to tell you what it is but you definitely pre-qualify for a CC'. I applied and said I wanted them to match 1st direct - it went to underwriting anyway LOL

Me thinks a decline a-cummin!

Maybe you shouldn't have appled because first direct might decline app as they are both run on the same system?