Sub Prime Credit Thread Part III

fairmorn308

Assistant Driller Offshore

never-in-doubt

fairmorn308 wrote: »

Assistant Driller Offshore

Got any jobs matey? Isn't that usually 6 months on - 6 off? :beer:

Been here yet? http://www.scandoil.com/moxie-bm2/by_province/north_sea_rim/statoil-signs-new-contracts-for-the-hire-of-two-ri.shtml

Innocent_Guy

fairmorn308 wrote: »

Assistant Driller Offshore

Nice.... Bet your on a few quid

never-in-doubt

Innocent_Guy wrote: »

Nice.... Bet your on a few quid

He's always skint mate :rotfl: :rotfl: :rotfl:

Innocent_Guy

I need to start up my fight with callcredit again. I can see that they have added the incorrect links again including default!

I may cancel my Experian & Equifax reports as I am attempting to make no new applications in the next year although I only have 4 searches on Equifax :-)

Also concidering switching my salary back to HSBC

Innocent_Guy

never-in-doubt wrote: »

He's always skint mate :rotfl: :rotfl: :rotfl:

I don't know how lol

Innocent_Guy

Innocent_Guy wrote: »

I need to start up my fight with callcredit again. I can see that they have added the incorrect links again including default!

Do you think that I have no pre-approved offers on my Barclays account because of the CallCredit errors?

never-in-doubt

Innocent_Guy wrote: »

Do you think that I have no pre-approved offers on my Barclays account because of the CallCredit errors?

It shouldn't matter too much cos they only soft search CC - they always use Experian/Equifax for their full search don't they.... why, you want to apply for a loan?

Why not apply for a sygma card of your equifax is clear mate...? :beer:

Innocent_Guy

never-in-doubt wrote: »

It shouldn't matter too much cos they only soft search CC - they always use Experian/Equifax for their full search don't they.... why, you want to apply for a loan?

Why not apply for a sygma card of your equifax is clear mate...? :beer:

Well I was wondering if they are getting a monthly data feed from the CRA's including callcredit and are using some of this data to make there pre-approved descions?

never-in-doubt

Innocent_Guy wrote: »

Well I was wondering if they are getting a monthly data feed from the CRA's including callcredit and are using some of this data to make there pre-approved descions?

Quite possibly as they do subscribe to CC's feeds now - but they would never decline you based on a report from CC - they use the big 2 (as at todays date of course)....

This means, to you, that although you won;t see any pre-approved offers as such, you may get an instant accept if your credit file is clear. So assuming your equifax file is clean then log-in and apply for a barclaycard and you may well get accepted based on equifax report and your internal behaviour.