The Sub Prime Credit Thread - Part IV

Innocent_Guy

Name:MR INNOCENT GUY
Address:NEVER YOU MIND
Date of birth:-200YEARS LOL
Searched on:03/12/2009
Time at address:11 years 00 months
Searched By:VODAFONE LTD
Application Type:Utility

never-in-doubt

Innocent_Guy wrote: »

Do phone companys use an N-Hunter type system?

Nope - they do not mate. N Hunter is usually built into Experian systems but the utility (and mobile) companies opt out cos it really isn't worth their while. They don't usually subscribe to CIFAS either...

TheEffect

never-in-doubt wrote: »

Nope - they do not mate. N Hunter is usually built into Experian systems but the utility (and mobile) companies opt out cos it really isn't worth their while. They don't usually subscribe to CIFAS either...

Vodafone does use National Hunter. I was told this when I applied for an N97.
Also here.

never-in-doubt

TheEffect wrote: »

Vodafone does use National Hunter. I was told this when I applied for an N97.
Also here.

Mate Voda Italy

Voda UK doesn't - unless it is a recent change? The reason that utility companies do not use it in the UK is because it isn't worthwhile - the projected loss wouldn't warrant the fee for subscribing.

N Hunter is designed to allow lenders the facility to see variations in application data provided by the consumer to the company. In the case of utility companies, such as Voda, using it - there are only 4 other companies (orange, o2, 3, T-Mobile) that could be used and N Hunter wouldn't play a part in the other 4 because they do not subscribe either!

N Hunter is only any good to subscribers that look at the data provided, so if Voda did it and the other 4 never then its a waste of money - quite simply because the purpose of prevention would not kick-in due to the other utility companies not subscribing.

Anyway, things may have changed -

How do you mean 'it was used when you applied for an N97'? You'd never know unless you SAR'd N Hunter and it showed there, in which case i'd be worrying....? I have an N97 (plus 2 other good phones) and N Hunter was not showing any ref to Voda when I SAR'd them.....

Innocent_Guy

TheEffect wrote: »

Vodafone does use National Hunter. I was told this when I applied for an N97.
Also here.

Only Italy mate?

Innocent_Guy

TBH my N-Hunter should be flagging as I have deffo had some inconsitancies however my OH has had similar and has caused her no issues.

My main discrepancy is time at address - I had a temp address, that is showing on my report that I always fail to disclose..... This is because I have had my current address for 11years however if I included the additional address I would only be there for 6 months as I moved out then back in.

Sorry for any spelling or gramatical errors ( using iphone )

never-in-doubt

I need a new bank account - although the Coventry Money Manager is ok - its not a current account....

By Feb 10th 2010 my searches will drop to less than 50 - yipee! I have 126 between Dec 2008 - Feb 2009 (shocker eh!)

Innocent_Guy

never-in-doubt wrote: »

I need a new bank account - although the Coventry Money Manager is ok - its not a current account....

By Feb 10th 2010 my searches will drop to less than 50 - yipee! I have 126 between Dec 2008 - Feb 2009 (shocker eh!)

Imagine if you coudn't get an account tho!

Have to ask wrk to pay you via cheque lol!

never-in-doubt

Innocent_Guy wrote: »

TBH my N-Hunter should be flagging as I have deffo had some inconsitancies however my OH has had similar and has caused her no issues.

My main discrepancy is time at address - I had a temp address, that is showing on my report that I always fail to disclose..... This is because I have had my current address for 11years however if I included the additional address I would only be there for 6 months as I moved out then back in.

Sorry for any spelling or gramatical errors ( using iphone )

Mate N Hunter will not pick up regular patterns of same data - only irregular patterns (such as a blind guess by a fraudster)..... any flag will show 'applicant refer' but even so that alone will not decline you, it would make the lender study you before saying yes/no.

iPhone - flash sod! I thought you said you got the HTC? Or is iPhone the old phone? Wanna sell it mate :rotfl:

never-in-doubt

Innocent_Guy wrote: »

Imagine if you coudn't get an account tho!

Have to ask wrk to pay you via cheque lol!

Nah mate cos the coventry account is like a full account and even has a debit card lol...... but I do think its time to leave HSBC :mad:

Their top dog in fraud want's to meet me :eek: :eek:

No thanks!