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The Sub Prime Credit Thread - Part IV

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Comments

  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    seeya23 wrote: »
    Good morning

    Morning matey - you ok?

    R U Off to fitba today? ;)
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • seeya23
    seeya23 Posts: 2,330 Forumite
    never-in-doubt wrote: »
    Morning matey - you ok?

    R U Off to fitba today? ;)


    im ok notts are away today so not going just waiting for wife to go out with the kids so got the house to myself till 6
  • izools
    izools Posts: 7,513 Forumite
    1,000 Posts Combo Breaker
    never-in-doubt wrote: »
    John Lewis also exclusively search Equifax

    Orly?

    Methinks they be short listed for my next app in six months time...
    Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    Strange, I have applied to JL 6 times in the last 3 years, 6 months between apps and they did not even credit check me, told me at the end of the app sorry but no, and that they did not search a credit ref agency.
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • izools
    izools Posts: 7,513 Forumite
    1,000 Posts Combo Breaker
    PROLIANT wrote: »
    Strange, I have applied to JL 6 times in the last 3 years, 6 months between apps and they did not even credit check me, told me at the end of the app sorry but no, and that they did not search a credit ref agency.

    O dear. Super decline.

    What are your personal circumstances like? Good salary / time at address / age etc?

    If you're quite young, on a low salary, living with parents / renting, and a student, etc they can decline you based on personal circumstances alone.

    Bummer!
    Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    izools wrote: »
    O dear. Super decline.

    What are your personal circumstances like? Good salary / time at address / age etc?

    If you're quite young, on a low salary, living with parents / renting, and a student, etc they can decline you based on personal circumstances alone.

    Bummer!
    Ok, here is the synopsis:

    Age: 29
    Salary: £25,000 PA
    Time at Address: 3 Years
    Use of available credit: 19%
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • izools
    izools Posts: 7,513 Forumite
    1,000 Posts Combo Breaker
    PROLIANT wrote: »
    Ok, here is the synopsis:

    Age: 29
    Salary: £25,000 PA
    Time at Address: 3 Years
    Use of available credit: 19%

    Lol well if they're that exclusive probably better off without them
    Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    izools wrote: »
    Lol well if they're that exclusive probably better off without them
    Its a Toff's shop anyway lol, I could not afford any of their stuff, in fact I would rather spend my hard earned coin else where.
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    izools wrote: »
    O dear. Super decline.!

    No mate - HSBC do not super decline unless you breach the terms of applying, i.e. he applied within the period of not being allowed to thus the system rejected the application before any scoring.

    i.e. with HSBC you wait 12 months before reapplying. Not 6. :D

    Proliant, wait 12 months from the last time you applied and see the difference. :p
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    never-in-doubt wrote: »
    No mate - HSBC do not super decline unless you breach the terms of applying, i.e. he applied within the period of not being allowed to thus the system rejected the application before any scoring.

    i.e. with HSBC you wait 12 months before reapplying. Not 6. :D

    Proliant, wait 12 months from the last time you applied and see the difference. :p
    12 Months? Jesus christ, I could be dead in 12 months!
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
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