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The Sub Prime Credit Thread - Part IV
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evening all0
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Bonjour!!!Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
6 credit accounts closed in 2010!
Official SOS Club number 001 - Dry until 01.07.100 -
Morning!
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how was everyones weekend?0
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Mine was good, although I really should be in bed now....fairmorn308 wrote: »how was everyones weekend?
If my Cap1 limit goes up on 23rd (so about 20 hours from now....) can I spend on it now, as transactions get added 2 days later, or are they authorised in real time?
Don't want to use my overdraft incase it gets to CRAs, knowing my luck data would be gathered for sending to CRAs before I can pay it back... 0 -
RE Bank of Ireland / Post Office credit card
They exclusively searched my Experian file, nothing on EQ, so certainly seems to be a gamble from applicant to applicant
Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
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But I thought you said you gave wrong address mate? Therefore it wouldn;t show on your file, would it?
Mine clearly shows on Equifax and nothing on Experian - and I do have an account with them so can only go on that.... its 11 months old or thereabouts...
2010 - year of the troll
Niddy - Over & Out :wave:
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I gave them "X, My Road"
The search appears on Experian as "Flat X, X My Road" and nothing atall on EQ either at "X, My Road", or Flat "X, X My Road". I have both listed separately, current and previous addresses, on my EQ membership so would've seen it either way.
E.G. with Bank of Cyprus they didn't allow me to enter my flat number during the application so I saw their unrecorded enquiry at what EQ lists as my last address (X, My Road).
Nada for BoI...
EDIT: I seem to remember with HSBC Credit Cards - New applicants they search EX and existing customers they search EQ, this was a couple of years ago, but it seems that the difference between existing and new customers has an influence on with CRA they check with.
I'm VERY surprised it was a referral though - with all the evil nasties on my EX file by rights it should've been a straight decline. I suppose I'll get that in the post in a few days time...Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
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Mate you can only have one credit record live at any one address - how have you got 2? Sorry, didn't pick up this yesterday..... hows does that work? lol
Edit - its referred cos of the address mix up surely? You cannot have 2 addresses or apply for things using a mixture of both or you'll be 'red flagged' at cifas and N Hunter for instant rejection mate.... 2010 - year of the troll
Niddy - Over & Out :wave:
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Good Morning.
Phoned flybe today and requested A 30% Increase which was all done on the phone.
I was surprised as I went over my C/L (oversight) 2 months ago.:D
Was told I can have another increase in 4 months, Thought it was six but who am I to argue lol0
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