The Sub Prime Credit Thread - Part IV

never-in-doubt

CHANGEyourMP wrote: »

My initial post did not mean that if you get declined by SYGMA, you get a CIFAS, it was just posted to remind the power of this thread, ie thousands of people reading the posts, all applying at the same time!
2 years ago after a massive acceptance came a tide of CIFAS'S from SYGMA!:eek:
I think that if you were declined by flybe card, but accepted by silver card, it's unlikely to be down to a CIFAS issue.:)

It was not 2 years ago - where are you seeing this junk? Prove it!

Sygma Bank is a division of Creation Finance, they are a French owned company who take application fraud extremely serious. Since the widespread use of CIFAS in the mid 1990's, Sygma Bank have been at the forefront of their system development aided to streamline within their business model. This means, they are a leading enforcer of issuing cifas UNTIL such time you prove your identity to them at which point they will remove the marker.

That, my son, is a fact!

misscutiepie1984

Innocent_Guy wrote: »

When was your last Sygma app?

probably much too close together about 1 month ago

usedandabused

never-in-doubt wrote: »

N Hunter is a fraud prevention agency and work alongside Experian only. RBS use N Hunter, Sygma do not. You cannot remove data from N Hunter cos it is data that you declared, this will not affect you so long as you do not have the words "applicant refer" against your name. If so, you've been caught falsifying details from one application to the last.

You can also SAR N Hunter.

You'd be best to save your £20 on the 2 SAR's and stop bloody applying! Give it a year and everything will be tidied up - but you're looking too deep into something without the facts - get your credit files first. Unless you NEED credit and know you're not likely to be declined, based on your credit files, then you can SAR N Hunter/CIFAS.

Pointless doing this if you know you've had too many searches etc and will be declined anyway!:rotfl:

that is the thing, i haven't falisfied anything, onloy thing to maybe catch me out is a typo as in mis-spelt names?

i know it is better to be honest and get accepted/rejected then lie and get accepted/rejected


i'll resist applying for a whole year but i want to check my report online for all three credit agency's in ONE place, saves me remembering to cancel the free trail three times etc

CHANGEyourMP

Niddy doesn't like been corrected, Niddy gets mean!:rotfl:

Guarantee eh! That's a bold statement.
TROLL, I don't so!
Perhaps I am gilty of not been a NIDDY fan, but then who does like a bully!
Don't worry NIDDY, I'll I leave you and your HIJACKED THREAD alone!:wave:

BugsyBrowne

TBH anyone who gets a cifas its there own fault,its not an exam its a application form,its not about remembering what you put on the last application its about telling the truth...

usedandabused

CHANGEyourMP wrote: »

Niddy doesn't like been corrected, Niddy gets mean!:rotfl:

Guarantee eh! That's a bold statement.
TROLL, I don't so!
Perhaps I am gilty of not been a NIDDY fan, but then who does like a bully!
Don't worry NIDDY, I'll I leave you and your HIJACKED THREAD alone!:wave:

hmmmmm


i sometimes do wonder about people, !!!!!! grow up, NID helps me and countless other lost souls, people like you on the other hand create division, distrust, and disruption.

mcmanlyn

I'm sorry can I interrupt the arguing here to tell you a hilarious story...

Just logged onto online banking & it seems Cr*pital One have just upped my classic limit from £400 to £1,400 :O

Genuine or Typo????

laney85

Really difficult to get an answer ro your question when its burried under petty arguments !

mancini601

mcmanlyn wrote: »

I'm sorry can I interrupt the arguing here to tell you a hilarious story...

Just logged onto online banking & it seems Cr*pital One have just upped my classic limit from £400 to £1,400 :O

Genuine or Typo????

Genuine...they upped mine last week without notification. Not that I'm complaining of course..........:D

mcmanlyn

Haha the arguing is almost amusing when you aren't involved

Cheers mancini601, it looked to be genuine - just didn't think they upped it that much! I know most people on here complain at stupidly low limits for years & years!