The Sub Prime Credit Thread - Part IV

BugsyBrowne

did not know that,so thats giving to people who lies on there credit report or forgets what they put on the b4 application.

never-in-doubt

star-fire wrote: »

what does cifas means then.

Fraud markers - basically you get declined if you have one of those! Mine was cat.4 (app fraud) due to incorrect linked people with my name :eek:

Long story but a few grand compo later and 3 years almost of fighting, we got there and i'm now in the clear! As Innocent will say, I think I had (at its worse) 20+ defaults, several cifas and 500+ searches - but not mine like....

Thing is, whoever done it must have known they'd just get declined anyway, we came to the "out of court settlement" that someone KNEW me and started applying using my details, therefore saved the CRA's public embarassment.....

Hey, I got a nice payout as a result of their inability to protect and adhere to personal data and the regulations.... they are no better even to this day!

never-in-doubt

star-fire wrote: »

did not know that,so thats giving to people who lies on there credit report or forgets what they put on the b4 application.

No - not lies - can be many things, but pretty much it means something appears different.

Instead of me explaining it - read here: Credit Reference Agencies

never-in-doubt

Innocent_Guy wrote: »

So it won't stay and no-one else can see it anyway mate (unrecorded) - shame :mad: :mad:

Innocent_Guy

never-in-doubt wrote: »

So it won't stay and no-one else can see it anyway mate (unrecorded) - shame :mad: :mad:

Exactly as long as it doesn't hinder my ability to get credit I do not really care lol

BugsyBrowne

Damn that's a bit !!!!!,so basically it is worth paying equifax & experian every month incase that happens to me i suppose.
IG you apply for BOI then i will,ready to hit apply when you are.

Innocent_Guy

Just going to reheat last nights indian lol! BRB

never-in-doubt

Innocent_Guy wrote: »

Just going to reheat last nights indian lol! BRB

aaaaw mate that's minging! Its like 11am! :rotfl: :rotfl: :rotfl:

star-fire --- stop encouraging him! he'll do it lol

kilasuit

Just been accepted for sygma silver.

time to move some of vanquis over me thinks


Thanks guys for all good info on them recently i.e equifax search and seeming easier to accept

Cash_Flow

kilasuit wrote: »

Just been accepted for sygma silver.

time to move some of vanquis over me thinks


Thanks guys for all good info on them recently i.e equifax search and seeming easier to accept

Congratulations, instant acceptance?