The Sub Prime Credit Thread - Part IV

izools

LOL Well... I suppose least said soonest mended!

No need to go app crazy - only two search Equifax exclusively anyway - Barclaycard and Sygma Cards... seeing as you applied to Barclaycard already... well it's up to you

never-in-doubt

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

Won't work, the CRA's will not remove searches unless specifically advised to by the lender - this is actually done online and so they get a feed authorising the removal from the lender.

The CRA's have got used to people trying these stunts and so have tightened up, one of the most stringent things they do now is leave everything until such time the lender authorises or until you issue court papers to them (a little extreme) lol

Good try but you'll get 10 replies stating 'the lender confirmed the record is accurate and any dispute should be raised directly with them'.

Cash_Flow

never-in-doubt wrote: »

Won't work, the CRA's will not remove searches unless specifically advised to by the lender - this is actually done online and so they get a feed authorising the removal from the lender.

The CRA's have got used to people trying these stunts and so have tightened up, one of the most stringent things they do now is leave everything until such time the lender authorises or until you issue court papers to them (a little extreme) lol

Good try but you'll get 10 replies stating 'the lender confirmed the record is accurate and any dispute should be raised directly with them'.

What he said.

I waited nearly 3 months for Virgin to remove a duplicate search.

Miles30

izools wrote: »

LOL Well... I suppose least said soonest mended!

No need to go app crazy - only two search Equifax exclusively anyway - Barclaycard and Sygma Cards... seeing as you applied to Barclaycard already... well it's up to you

My current barclaycard application was delined. It was for Premier credit card. I already have the gold card but they said because i had the premier life account they could upgrade it for me. application was refered and then declined on the bases that they didnt have much payment history from me. only had barclaycard last june.
Sygma delined me in July but maybe might be good idea to try them again? mind you when i applied to sygma it was my 4th application within a week! no wonder they delined me

never-in-doubt

Miles30 wrote: »

My current barclaycard application was delined. It was for Premier credit card. I already have the gold card but they said because i had the premier life account they could upgrade it for me. application was refered and then declined on the bases that they didnt have much payment history from me. only had barclaycard last june.
Sygma delined me in July but maybe might be good idea to try them again? mind you when i applied to sygma it was my 4th application within a week! no wonder they delined me

Here you go mate - a little encouragement to help you decide: You KNOW you wanna! lol :rotfl:

https://www.your-application.co.uk/NetFinanceCertegymicrosite/silvermastercard/PaymentProtection.aspx

noah271007

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

Nothing adverse about it!! It is cheeky to do it but why not if it will reduce the number of searches.

In my experience, Equifax will not remove dispute data if the lender concerned has not responded to your dispute. They just keep the dispute open for as long as possible.

Good luck!

never-in-doubt

noah271007 wrote: »

Nothing adverse about it!! It is cheeky to do it but why not if it will reduce the number of searches.!

It won't work matey :rotfl:

noah271007

never-in-doubt wrote: »

Won't work, the CRA's will not remove searches unless specifically advised to by the lender - this is actually done online and so they get a feed authorising the removal from the lender.

The CRA's have got used to people trying these stunts and so have tightened up, one of the most stringent things they do now is leave everything until such time the lender authorises or until you issue court papers to them (a little extreme) lol

Good try but you'll get 10 replies stating 'the lender confirmed the record is accurate and any dispute should be raised directly with them'.

Oh you replied before i had the chance NID! I agree 100%.

noah271007

never-in-doubt wrote: »

It won't work matey :rotfl:

It MIGHT have worked a few years ago, but i guess they have stopped doing it.

Miles30

never-in-doubt wrote: »

Here you go mate - a little encouragement to help you decide: You KNOW you wanna! lol :rotfl:


thanks NID i do wanna lol. will they want me though as my credit history is only 11 month old? i do have 2 credit cards all 8 months old and 2 current accounts, same lengh of time. also got mobile phone contract 8 months old. I had credit in the past though but that is a long story and CRAs dont know that lol:)