banks secret blacklist

madfrenchgirl

Exactly, Chrysalis, not that I would go for Lloyds' debt services... It is just a case of I cant get a cashback credit card even though I have been playing fair and square.

Samet hing with Lloyds' special mortgage rates for already existing customers: a effing joke!

Woby_Tide

Chrysalis wrote:

Basically a 3rd party system can now effectively restrict people from services from pretty much any bank because they all check a central credit rating database.

It can also allows people access to services/companies they have no previous history with for exactly the same reason. Works both ways

madfrenchgirl

what about getting it based on how you behaved with your current bank? not just on the fact that if you dont have a DEBT history then it is as bad as not being reponsible with it...

Chrysalis

I am sure 3rd party credit companies were giving out credit before the "credit check" became fashion, probably needed more human manpower to do it thats all.