The Sub Prime Credit Thread - Part IV

spiritual1_2

plumber2009 wrote: »

Hi all.

Does anyone know how i can access my call credit file online without having to pay £4 per month subscription?

I refuse to pay £48 to see my call credit report. Only need to check once.

simply put NO and im sure thery actually charge u £12 payable upfront as bthey take ure payments QUARTERLY...........

what a BARGAIN ehh??

:rotfl:

plumber2009

seeya23 wrote: »

you can see your equifax report for free if you have a capone card

http://www.equifax.co.uk/capitalone/index.html

I already have access to both equifax and experien yet i need to access call credit and they don't offer a free trial.

see this thread

http://forums.moneysavingexpert.com/showthread.html?t=910427

plumber2009

spiritual1 wrote: »

simply put NO and im sure thery actually charge u £12 payable upfront as bthey take ure payments QUARTERLY...........

what a BARGAIN ehh??

:rotfl:

Its a joke as far as im concerned, they are a bunch of con artists.

spiritual1_2

plumber2009 wrote: »

Its a joke as far as im concerned, they are a bunch of con artists.

there also useless they told creditors i had a ccj that didnt ACTUALLY EXIST for over A YEAR AND A HALF neither equifax or experian just call credit,

i kept wonderin why i was gettin knoked back for stuff needless to say when i found out i went BALISTIC yeah but u never know what these monkeys are telling folk about you

also say ure home shopping catalogue lowers ure limit as u never use it they show ure full limit history to creditors experian does not equifax does but not with catalogues, they really are brutal like u have to manually chase up everythin if uve had somethin recalled chances are they wont of bothered recallin it, if somethins past 6 years ull probably have to remind them i mean that ccj they had on my file ( THAT DIDN'T ACTUALLY EXIST) for over a year and a half they had as expiring in 2013, the reason they make u pay quarterley aswell is they know peeps are liable to leave them asap soooooooo they like to get at least 3 months subscription fees per punter.......

:rotfl::rotfl::rotfl:

plumber2009

spiritual1 wrote: »

there also useless they told creditors i had a ccj that didnt ACTUALLY EXIST for over A YEAR AND A HALF neither equifax or experian just call credit,

i kept wonderin why i was gettin knoked back for stuff needless to say when i found out i went BALISTIC yeah but u never know what these monkeys are telling folk about you

This is the concern that i have cos i seem to get accepted no problem by some companies yet not others, A bit vauge i know.

Vanquis started me on £500 limit and raised to £2000 within 8 months yet Sygma turned me down flat. Twice!. Not sure wether they check Call Credit as well as Equifax.

PROLIANT

plumber2009 wrote: »

Not sure wether they check Call Credit as well as Equifax.

No mate, they only check Equifax.

plumber2009

PROLIANT wrote: »

No mate, they only check Equifax.

Sygma obviously does not like me then:p

Seems a lot of peeps have been accepted by them recently.

I will just order a paper copy from Call Credit and have a look over it. Im suspicious that they are holding incorrect data on me. I can then see which credit companies actually searched them in the last 12 months.

PROLIANT

plumber2009 wrote: »

Sygma obviously does not like me then:p

Seems a lot of peeps have been accepted by them recently.

I will just order a paper copy from Call Credit and have a look over it. Im suspicious that they are holding incorrect data on me. I can then see which credit companies actually searched them in the last 12 months.

Have you tried http://www.annualcreditreport.co.uk/ this is a free service for a copy of your callcredit file.

spiritual1_2

PROLIANT wrote: »

Have you tried http://www.annualcreditreport.co.uk/ this is a free service for a copy of your callcredit file.

good shout pro 4got bout that its not as in-depth as a standard one though, its on par with using checkmyfiles service

spiritual1_2

plumber2009 wrote: »

Sygma obviously does not like me then:p

Seems a lot of peeps have been accepted by them recently.

I will just order a paper copy from Call Credit and have a look over it. Im suspicious that they are holding incorrect data on me. I can then see which credit companies actually searched them in the last 12 months.

plumber google the following "credit agencies who really uses who update"

and ull find the appropriate forum links

thatll answer those questions breaks down which lender typically uses who sure it was pro's baby to begin with involvement from underground and cif aswell in addition to nid although i may be wrong and im SURE ill be CORRECTED if i am lol