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The Sub Prime Credit Thread - Part IV

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  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    Just to clarify the search time is on the address, if you have an account with 1 default 5 years ago at your current address then they will see this.
    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.
  • Parki_2
    Parki_2 Posts: 570 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    Hey guys. If a company searches your credit file twice whats the appropiate action to take? I dont fancy having 2 searches on my file for one application at this moment in time.
  • pjread
    pjread Posts: 1,106 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Parki wrote: »
    Hey guys. If a company searches your credit file twice whats the appropiate action to take? I dont fancy having 2 searches on my file for one application at this moment in time.

    RBS did this to me a few months back (mortgage app) - query directly or via the CRA if you're paying for one of their services (hell, get something for your money at least, let them do the leg-work...)
  • Miles30
    Miles30 Posts: 126 Forumite
    Hi everyone,
    Has anyone applied to First Direct?
    I want to apply but I am scared they might turn me down due to too many searches on my file.
    Wthin the last 6 months I've had 6 searches with EX and 2 searches with EQ. I do love my new Coventry First but lack of Faster Payments is really affecting me.

    I do have about 6 new accounts opened within last 3 months. Maybe they wont like that. I dont have any adverse but I suppose too many searches is classed as adverse isn't it?
    Cheers.
  • louiser123
    louiser123 Posts: 1,248 Forumite
    floria wrote: »
    :j :rotfl: :T
    Does anyone know if Royal Bank of Scotland is open on Saturday anywhere in West Yorkshire?!!?

    bradford branch are open sat AM, i am sure x
    self confessed 80's throwback:D
    sealed pot challenge 2009 #488 (couldnt tell you how much so far as i cant open it to count it!!:mad: )
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    louiser123 wrote: »
    bradford branch are open sat AM, i am sure x
    Hello stranger.:)
    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.
  • ElkyElky
    ElkyElky Posts: 2,459 Forumite
    I'm going to send Capital One a secure message in a few moments to close my account. They aren't worthy of my business. :D
    We’ve had to remove your signature. Please check the Forum Rules if you’re unsure why it’s been removed and, if still unsure, email forumteam@moneysavingexpert.com
  • BugsyBrowne
    BugsyBrowne Posts: 5,697 Forumite
    ElkyElky wrote: »
    I'm going to send Capital One a secure message in a few moments to close my account. They aren't worthy of my business. :D

    What's up with your capital one..
  • ElkyElky
    ElkyElky Posts: 2,459 Forumite
    star-fire wrote: »
    What's up with your capital one..

    The £200 limit and the high interest. :p
    We’ve had to remove your signature. Please check the Forum Rules if you’re unsure why it’s been removed and, if still unsure, email forumteam@moneysavingexpert.com
  • BugsyBrowne
    BugsyBrowne Posts: 5,697 Forumite
    Right i see, yeah dont blame you to be honest..
    I think credit cards take the p!ss when they give out them sort of limits..
    Aint your capital one card at the higher end of the capital one range..
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