The Sub Prime Credit Thread - Part IV

Innocent_Guy

Thinking about the Silver or JJB?

Innocent_Guy

kilasuit wrote: »

Any1 know the HSBC number to check if i've been sucessful with my bank account application?

Call the normal number and listen to the options matey

izools

Innocent_Guy wrote: »

What is the easiest sigma card to apply for?

All the different brands of Sygma give an APR of up to 24.9% depending on how they score you, so you've got just a good a chance with any of them.

I prefer the Silver design myself, your shout

When did you last apply for something? They don't seem to like multiple recent applications. My Equifax file is 100% squeaky flawless clean except for numerous searches (they lost THE linked address ) and they said no to me, so might not be worth it if you've appled recently elsewhere.

Innocent_Guy

I have approx 6 - 8 searches? You think I should wait a while then?

izools

If they are on Equifax, yes wait.

This is why I am going on a six month no-apply stint. I want a better Barclaycard and a Sygma Silver card

izools

Hey here's a thought...

How cheeky would it be to raise a Notice of Dispute against all the searches I have on Equifax? It's inevitable that atleast one will not respond within 30 days so EQ will remove it (BT...) and atleast one will agree to remove it (Virgin Media)... perhaps more?

Any potential adverse effects of running this cheeky stunt?

EDIT: Well there are 10 open disputes with EQ now... LOL that'll either go down like a house on fire... or like a house on fire. We'll see either way

kilasuit

Innocent_Guy wrote: »

Call the normal number and listen to the options matey

Sorry to sound dense but what is the normal number

izools

kilasuit wrote: »

Sorry to sound dense but what is the normal number

http://www.lmgtfy.com/?q=HSBC+Telephone+Number&l=1

Cash_Flow

Innocent_Guy wrote: »

I have approx 6 - 8 searches? You think I should wait a while then?

How did you rack up that many on Equifax?

Miles30

izools wrote: »

Hey here's a thought...

How cheeky would it be to raise a Notice of Dispute against all the searches I have on Equifax? It's inevitable that atleast one will not respond within 30 days so EQ will remove it (BT...) and atleast one will agree to remove it (Virgin Media)... perhaps more?

Any potential adverse effects of running this cheeky stunt?

EDIT: Well there are 10 open disputes with EQ now... LOL that'll either go down like a house on fire... or like a house on fire. We'll see either way

I dont know if to laugh or cry but I am now getting seriously worried! All the credit searches are dropping off from my Equifax file even though they aint 12 months old yet. I made 4 applications in July and they're no more on my file. It started disappearing last month. Even a search on 02/02/2010 by barclaycard has just disappeared. Should I be worried? I dont want to ring Equifax just in case they realise their mistake and put all back on my file. My Equifax file has only 1 search in past yr showing up. Maybe I should go crazy on the applications if the searches will disappear after few days.