Sub Prime Credit Thread Part III

Innocent_Guy

Niteflyer wrote: »

I didn't appeal! I was going to but then read on here that very few people have any success with them after appealling!

So I just left it! I have the account now but don't use it!

Request the search to be removed then......

Innocent_Guy

Niteflyer wrote: »

I didn't appeal! I was going to but then read on here that very few people have any success with them after appealling!

So I just left it! I have the account now but don't use it!

Did you get an O/D?

Niteflyer

Already have requested the search be removed!

I applied for an account with O/D and CC.

I got an email saying my account was successful but they couldn't offer me an O/D and if I had applied for a CC it woudl be cancelled!

Matt

Innocent_Guy

Niteflyer wrote: »

Already have requested the search be removed!

I applied for an account with O/D and CC.

I got an email saying my account was successful but they couldn't offer me an O/D and if I had applied for a CC it woudl be cancelled!

Matt

Cool, they may give you difficulty removing the search as they offer a CC when you are accepted for O/D.....

score

Niteflyer wrote: »

Already have requested the search be removed!

I applied for an account with O/D and CC.

I got an email saying my account was successful but they couldn't offer me an O/D and if I had applied for a CC it woudl be cancelled!

Matt

Hi Mate

Just to clarify if it is a current account only one credit search is undertakern

and if you do current account + CC then it is 2 credit searches. Even though in the application form you only type in your details once and select the products you also want e.g. overdraft, credit card?

dukey

Folks,

I have just noticed something about linked addresses being bad?
I lived in a flat for 2 years with a weird address and so most organisations spelt it / formatted it differently. I have 80 linked addresses on Experian but they're all for the same place! Advice please?!?!?!

Innocent_Guy

score wrote: »

Hi Mate

Just to clarify if it is a current account only one credit search is undertakern

and if you do current account + CC then it is 2 credit searches. Even though in the application form you only type in your details once and select the products you also want e.g. overdraft, credit card?

I think First Direct are one of the only banks that do one check on application.

On occasion some banks may show conditional offers as soon as your account has been opened.

Innocent_Guy

dukey wrote: »

Folks,

I have just noticed something about linked addresses being bad?
I lived in a flat for 2 years with a weird address and so most organisations spelt it / formatted it differently. I have 80 linked addresses on Experian but they're all for the same place! Advice please?!?!?!

If they are all from different providers you will have some issues. Reason being is that CRA are just "bookkeepers" They only act on the information given to them from the lenders. The CRA will only amend something if the lender contacts them except in EXTREME circumstances.

If there are multipal address variances from the same lender you can request the additions to be removed.

dukey

The problem is some say

Flat Number
Street Number
Street
City
County
Postcode

Some say

Flat Number
Street
City
Postcode

Some say

Flat Number
Street Number
Street
City
Postcode

Etc etc.

Niteflyer

score wrote: »

Hi Mate

Just to clarify if it is a current account only one credit search is undertakern

and if you do current account + CC then it is 2 credit searches. Even though in the application form you only type in your details once and select the products you also want e.g. overdraft, credit card?

No mate, they only did ONE search for me, even though I applied for a Current Account with O/D and CC! They may search twice for other though, I don't know! I have just checked again and they have definitely only checked ONCE on my Experian and NONE on my Equifax

It is correct that First Direct also do one search! As do (I believe) HSBC (being the same company).

Hope this helps