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Sub Prime Credit Thread Part III

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Comments

  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    And have they overturned it mate?

    p.s. phone number doesnt affect general credit scores so that was a lie lol.....
    It wasn't declined it was reffered but yes they did accept it.

    What do you mean it was a lie? He said to me that when they checked my landline it flagged some issue, I informed him that I have changed my landline and gave him another one ( Not in my name )
    I think they can check active landline numbers.
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    edited 1 October 2009 at 3:34PM
    Innocent_Guy wrote: »
    It wasn't declined it was reffered but yes they did accept it.

    What do you mean it was a lie? He said to me that when they checked my landline it flagged some issue, I informed him that I have changed my landline and gave him another one ( Not in my name )
    I think they can check active landline numbers.

    yes, that is correct; a company called ACORN I think provides the service.

    edit: Not Acorn, can't remember the name of the company but the service is called reverse number lookup.
    Bit like doing a whois on an IP Adderss.
    ACORN provide demographic data etc.
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    Just got off the phone to another DCA chasing me. Apparantly all of these incorrect links have been created by a company called KEYS ( Fraud agency who report to CRA's) How do I contact them?

    Although these links are not showing on my file, I have been advised by the DCA that when searching my report they can see the links
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    PROLIANT wrote: »
    yes, that is correct; a company called ACORN I think provides the service.

    edit: Not Acorn, can't remember the name of the company but the service is called reverse number lookup.
    Bit like doing a whois on an IP Adderss.
    ACORN provide demographic data etc.
    Is it purley to verify you have a landline?
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    edited 1 October 2009 at 3:46PM
    PROLIANT wrote: »
    yes, that is correct; a company called ACORN I think provides the service.

    edit: Not Acorn, can't remember the name of the company but the service is called reverse number lookup.
    Bit like doing a whois on an IP Adderss.
    ACORN provide demographic data etc.

    Yea, ACORN is the demographic data (i.e. postcode lottery for snobs/paupers) but what I mean is the phone number is not usually 'checked' (checked as in credit checked) so that part is a lie - obviously as its a subbie card they 'may' call it or something but they do not, as the main, use phone numbers as part of credit scoring - they simply cannot do this.... :D
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Innocent_Guy wrote: »
    Is it purley to verify you have a landline?

    Yea, they ring your number and ask for you! LOL

    It cannot reject you an account though, its not part of any credit scorecard and cannot be a part as it would be unfair acceptance criteria (i.e. I use internet phone so they won't be able to check mine!).... :beer:
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    never-in-doubt wrote: »
    Yea, ACORN is the demographic data (i.e. postcode lottery for snobs/paupers) but what I mean is the phone number is not usually 'checked' so that part is a lie - obviously as its a subbie card they 'may' call it or something but they do not, as the main, use phone numbers as part of credit scoring - they simply cannot do this.... :D
    Yes, they don't use the number for scoring however they can reverse lookup the number to make sure it is in your name, I will find the name of the company providing the service.
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    PROLIANT wrote: »
    Yes, they don't use the number for scoring however they can reverse lookup the number to make sure it is in your name, I will find the name of the company providing the service.

    Cheers, I know what you mean - internal checks prior to opening the account etc? Ahhhh :rolleyes:
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    Yea, ACORN is the demographic data (i.e. postcode lottery for snobs/paupers) but what I mean is the phone number is not usually 'checked' (checked as in credit checked) so that part is a lie - obviously as its a subbie card they 'may' call it or something but they do not, as the main, use phone numbers as part of credit scoring - they simply cannot do this.... :D
    But Vanquis will decline you if you do not have a landline. I assume this is just for verifaction though?
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    Can you guys help me out with regards to this "KEYS" malarky.
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
This discussion has been closed.
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