The Sub Prime Credit Thread - Part IV

never-in-doubt

izools wrote: »

LMAO It was a reffer, but my EX file is trashed. I'm expecting the "Thanks, but f*** off" letter through the post any day

If it was EQ I could probably argue the toss, but not a chance with EX

If it is referred and your experian is smashed then they will probably do like me and search equifax as well...... maybe all lenders do this, if there is derogatory data on one they check the other?

Makes sense I guess..... what you think?

Innocent_Guy

never-in-doubt wrote: »

I disagree - they searched both of mine and they use call credit all the time now for everything especially account reviews. I have several footprints on callcredit.....

I have a money laundering search on CC from HSBC. I think I will wait until my CC links are sorted then before trying HSBC.

never-in-doubt

izools wrote: »

Sorry to say I told you so re: BOI, but it still stands - the only credit card companies that search EQ exclusively are Sygma and Barclaycard.

I know that the only exclusive 2 are EQ/BC mate - lol, I am resident on Undergrounds thread :D I was querying BoI and as such just checked my Experian (it was April 09) and they done a full search on Experian and a follow up (soft search) at my current and 2 previous addresses plus the 20 odd incorrect links on my equifax. I remember the equifax hassle but couldn't remember who they searched - it was definitely Experian - i'm looking at it right now lol.....

Innocent_Guy

never-in-doubt wrote: »

No mate they don't give instant decisions and sorry, they check Experian as advised by the zools man...... I think they done unrecorded on my Equifax - as I say it was a while ago but thinking back, it was Experian they searched and they then went to Equifax and checked out the incorrect links....... maybe cos my files were a mess at the time they checked both - but yea, they searched Experian first and foremost.

Cheers for jogging my memory iZools... :rotfl:

I am sure that they ONLY checked equifax for me..... I am only looking for cards that exclusively search equifax

Innocent_Guy

the_rover_returns wrote: »

adriaaaaan!!!

!!!!!!????????

never-in-doubt

izools wrote: »

Thanks niddy. Regards to N-Hunter.

Given that many things have changed with my ex leaving, the income, expenditure, marital status, employment status (have more hours now) all changed - how long should I leave it to ensure I don't get N Hunter flag after flag...?

Not in a rush to apply for anythying anyway just wondering how N Hunter play...

Don't worry about N Hunter mate - they will realise all your details will change in line with status - single (as opposed to living with partner)....... thus income will drop and expenditure should increase..... they will not flag you and if they do you'd know cos everything based on Experian will be declined (hmmm, thinking about it.... )

Honestly, dont worry about N Hunter too much - the flag lasts 6 years but lenders only refer to it and make a decision based on the facts. N Hunter shops them a computer copy of your last application that was loaded and the new lender will then compare it and make a decision based on the differences - in your case with both address and personal circumstances, they will spot a mile away and remove any flag....

Make sense?.... Innocent and I done this last year and I ripped into them several times and they removed all my flags (known as 'applicant refer')

It lasts for 6 years, as per CRA (they are part of Experian remember)

never-in-doubt

The_Rover_Returns wrote: »

adriaaaaan!!!

Hey up stranger - like the new username....... :D:D

You alright mate?

never-in-doubt

Innocent_Guy wrote: »

!!!!!!????????

Mate he's our friendly resident troll.... long story!

Its his call-sign lol (he used to be called The Prodigal Son and had rocky as his avatar)...... adrian is rockys wife ;);)

He just messes around until the mods PPR him again - lol.... he's sound though

Innocent_Guy

I was just trying to check the BOI search but I cannot view any of my old reports on EQ now I have cancelled. I can confirm though that they 100% only searched my EQ last time.... I am sure this is why I applied as well

never-in-doubt

The_Rover_Returns wrote: »

cooooooool :cool: like that :rotfl:

How long tonight then mate? Think you'll manage a whole 12 hours.... :rotfl::rotfl:

Next time come back as Emmerdale something :D:D