The Sub Prime Credit Thread - Part IV

Zack1

kilasuit wrote: »

actually they can decline it as some companies wont follow through an app with a NOC

I'm pretty sure that's internal policy, and never officially on the criteria, because they certainly shouldn't be doing that - I don't deny that it probably happens though, just like footballers shouldn't dive - they still do, just never officially say it. That's why I got rid of my NOC (hoping to get some instant accepts rather than all referrals this time around)

sutton111

spiritual1 wrote: »

thats so weird, whats always made me laugh with vanquis is apparently there owned by provident and i ended up defaulting for 2 grand with provident years ago, nice to see theyve given me a vanquis though

Yeah Provisent do own Vanquis. Bizarre I know. I've got SDG Catalogues and an Next account etc but Vanquis always turn me down!

Their loss, muppets!

spiritual1_2

im half tempted to apply for another sygma card different brand than i was knocked back for a few hours ago either that or i just wait six months...............

kinda like in for a penny in for a pound, what they gonna do give me another knockback then i just stik to my original reapplying in 6 months anyway...........

spiritual1_2

im due a vanquis increase this month though i kiked of a £480 balance transfer from my vanquis to my sygma so hopin with my balance bein zero theyll double it or somethin, dependin on how long the transfer takes these manual transfers dont seem to be the quickest...

Zack1

What's acceptance like for Next? I want something like HSD but not as stupidly expensive. I don't know when my last app for Next/Littlewoods etc was, but I think it was more than 6 months by now.... Need clothes for holiday!

My credit card bill will be stupidly low this month - £18 at Tesco today and that's it - the billing date is the 19th so looks like I won't be racking up the £349.62 that I managed last month!!

plumber2009

Zack1 wrote: »

I'm pretty sure that's internal policy, and never officially on the criteria, because they certainly shouldn't be doing that - I don't deny that it probably happens though, just like footballers shouldn't dive - they still do, just never officially say it. That's why I got rid of my NOC (hoping to get some instant accepts rather than all referrals this time around)

i have just reqested that my NOC be removed by equifax and experien. Once they are removed, i will try sygma again. Only then will i be able to confirm my suspicions.

Nosce_te_ipsum

Hi forgive me if this is in wrong thread but ive just received my call credit report and there 6 searches over last 2 years 3 of which say reason as money laundering gives no details of who requested search is it anything to worry about

spiritual1_2

plumber2009 wrote: »

i have just reqested that my NOC be removed by equifax and experien. Once they are removed, i will try sygma again. Only then will i be able to confirm my suspicions.

when u reapply make sure its for one of there DIFFERENT branded cards than the one they recently rejected u on

:beer:

spiritual1_2

Nosce_te_ipsum wrote: »

Hi forgive me if this is in wrong thread but ive just received my call credit report and there 6 searches over last 2 years 3 of which say reason as money laundering gives no details of who requested search is it anything to worry about

unless theres a cifas id say no my current longer running credit card provider has done a few on me for money laundering and funnily enough ONLY ON CALL CREDIT

anyways if u have no CIFAS id say you have no worrys

:beer:

Nosce_te_ipsum

thanks for quick reply, no i dont have no cifas so good news :j