The Sub Prime Credit Thread - Part IV

sutton111

seeya23 wrote: »

Sgyma use Equifax my wife cant get one and she got note bad on her file apart for being link to me

Do you think that could be the issue, financial association?

never-in-doubt

sutton111 wrote: »

I can't remember when I last applied TBH.

I know you have to wait 6 months between application. I'd apply if I knew when I last applied.

I'd apply after a couple of months of your Crappy1 card mate - dont do it now as you have too many recent app's...

sutton111

never-in-doubt wrote: »

Application Verification Unit - they overrule whatever automated decisions have been made. So like me, I apply and get accepted every time (for RBS branded products) but when I send the agreement back AVU overturn the accept and decline me.

They are like St Peter waiting at the gates ready to reject the bad ones! :rotfl:

lol

So they verify every application then do they? Christ sake!

They must have a battalion of people. lol

never-in-doubt

sutton111 wrote: »

Do you think that could be the issue, financial association?

I do - if one has debt then it can affect the other. best bet is to pretend you split up and close joint accounts then send over a disassociation and then start again lol.

easy to do, rightly or wrongly I don;t care - it is still easy to fix!

sutton111

never-in-doubt wrote: »

I'd apply after a couple of months of your Crappy1 card mate - dont do it now as you have too many recent app's...

Okay, thanks. It's just I don't think anyone else besides Capital One checked my Equifax file.

seeya23

sutton111 wrote: »

Do you think that could be the issue, financial association?

i think it is mate

sutton111

never-in-doubt wrote: »

I do - if one has debt then it can affect the other. best bet is to pretend you split up and close joint accounts then send over a disassociation and then start again lol.

easy to do, rightly or wrongly I don;t care - it is still easy to fix!

What's been happening with HSBC then? I've missed all the gossip! :rotfl:

never-in-doubt

sutton111 wrote: »

lol

So they verify every application then do they? Christ sake!

They must have a battalion of people. lol

No mate - just those sent for referral I assume (not quite 100% yet) - ive asked stclair for extra info, i.e. how does the branch know if they can open there and then or if it needs to go to AVU - he never answered mne though! #1758

sutton111

seeya23 wrote: »

i think it is mate

HAve you applied for anything recently?

never-in-doubt

sutton111 wrote: »

Okay, thanks. It's just I don't think anyone else besides Capital One checked my Equifax file.

Didn't you just get an A&L account, apply to HSBC, Barclays etc? I thought you said you did mate?