Sub Prime Credit Thread Part III

Innocent_Guy

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.

PROLIANT

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.

Innocent_Guy

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

Innocent_Guy

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?

never-in-doubt

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....

never-in-doubt

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:

PROLIANT

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....

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.

never-in-doubt

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:

Innocent_Guy

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....

But Vanquis will decline you if you do not have a landline. I assume this is just for verifaction though?

Innocent_Guy

Can you guys help me out with regards to this "KEYS" malarky.