The Sub Prime Credit Thread - Part IV

big_Daddy_Dave

whats your history like?

Miles30

big_Daddy_Dave wrote: »

whats your history like?

no adverse just limited credit history. only one yr credit history

big_Daddy_Dave

ahh i see

well done anyways thats great news

Miles30

NID, any chance you could explain this mate. Something weird is going on with my EQ credit file. I applied for the BHS Mastercard 3 days ago but when I phoned 2day they said I was declined. I asked why and they said due to too much available credit! But my total credit from all accounts (3 accounts) is just 1200. Of course the Flybe's 1000 is not showing on credit file yet.

Funny thing is they aint searched me! Same thing happened when I applied for the flybe card. They declined me but was not searched. I told them i wasn't searched so they asked for proof of address. I sent it with my latest EQ credit report. They then did an unclassified enquiry on my EQ file and approved me! I basically got the card with no footprint.

BHS Mastercard have now asked for my credit report to review app.

Is there a chance when somebody searches me it returns wrong info? This only started this yr. Spoke to EQ and they are saying those lenders never searched me. How come 2 lenders declined me saying they searched EQ but EQ says they NEVER searched me?

My details have not changed either.

I am getting worried now please advise:o

never-in-doubt

BHS Mastercard is Barclays mate - if you already have a Barclays account then it could have super declined you based on already having an account? If not I'd suggest you check your addresses as it seems to be an address mis-match.

BHS will write to you, just appeal and they may well do the same as Flybe...

Good Luck - but check with the CRA's what address they hold for you and then check Royal Mail PAF system to see if it actually tallies... You cannot use Paf but you check this by pretending to apply and see what address comes up when you input house number/post code on any application form..... it should prefill the address in. Or just test it here: http://postcode.royalmail.com/portal/rm/addressfinder?catId=

Miles30

never-in-doubt wrote: »

BHS Mastercard is Barclays mate - if you already have a Barclays account then it could have super declined you based on already having an account? If not I'd suggest you check your addresses as it seems to be an address mis-match.

BHS will write to you, just appeal and they may well do the same as Flybe...

Good Luck - but check with the CRA's what address they hold for you and then check Royal Mail PAF system to see if it actually tallies... You cannot use Paf but you check this by pretending to apply and see what address comes up when you input house number/post code on any application form..... it should prefill the address in. Or just test it here: http://postcode.royalmail.com/portal/rm/addressfinder?catId=

Cheers mate! Yes I know BHS is Barclaycard and I asked them first before applying. They said I can apply for any of their parner cards - BHS, Thomas cook, Orange even if I already have barclaycard as those are not classed as Barclaycards. Wanted to apply for card company that searches EQ solely as my EQ is empty.

I am surely going to appeal. I might even do before letter comes through as they said I was declined yesterday so letter will take a few days to arrive.

Yeah I have used the royal mail address finder and it's coming up with my right address. I dont seem to have this problem with EX.

Will try the PAF thingy too.
Thanks very much mate!:beer:

Edit: the part that worries me is BHS saying I have too much available credit which is just the opposite lol

benoit

PROLIANT wrote: »

Went in to the Natwest to see if I could have a service card, I had a peek on the computer screen and it was showing a list with a Service card 100 and 250, but when selected computer said no. Will try again next month. Notice that they search Equifax for their loans too.

I have got the service card 250 from Natwest. What i am wondering though is what happens to the people who have service cards when they phase out Cheque Guarantee Cards?

Will it mean we all get lumbered with the Visa Debit ones that don't work at petrol stations or on the trains? That wont be very fair on the people who had the purple cards will it?

never-in-doubt

benoit wrote: »

I have got the service card 250 from Natwest. What i am wondering though is what happens to the people who have service cards when they phase out Cheque Guarantee Cards?

Will it mean we all get lumbered with the Visa Debit ones that don't work at petrol stations or on the trains? That wont be very fair on the people who had the purple cards will it?

No they will just remove the CGC element, I have a full card (offline) with my new Bank of Cyprus - when they send the CGC it should just have that added.... but card is still a full card that works at Tesco pay @ pump etc...

wizzywig27

never-in-doubt wrote: »

No they will just remove the CGC element, I have a full card (offline) with my new Bank of Cyprus - when they send the CGC it should just have that added.... but card is still a full card that works at Tesco pay @ pump etc...

so is my LLoyds TSB card so I am happy

benoit

never-in-doubt wrote: »

No they will just remove the CGC element, I have a full card (offline) with my new Bank of Cyprus - when they send the CGC it should just have that added.... but card is still a full card that works at Tesco pay @ pump etc...

That's ok then. I still get the same level of service from the card then. Thanks.