The Sub Prime Credit Thread - Part V

izools

Dr_Cuckoo3 wrote: »

1, Is the CPD marker in addition to the risk indicator ? (in other words can you have a risk indicator of 3 and a CPD) , or is the CPD the risk indicator eg 99 rather than 9 :eek:

2, Do pre-selected offers , eg loans , credit cards appear on your internet banking if you have a CPD ?

3, Do Lloyds TSB receive white data from CRA's in respect of accounts opened before they started sharing white data (It was my understanding that they have to dislose if they wish to obtain) :cool:

4, My Barclays pre-approved loan disappears when new accounts show on my CRA - Barclays report white data for that account , Lloyds pre-selected loan remains on the basis of account conduct and this account does not report white data as it was opened long ago :cool:

5, Lloyds TSB are selling off all Scottish branches and some English ones , so you could put your foot in the door by opening an account at another branch








Bit like asking a supermarket checkout operator to advise on the ingredients and nutritional value of your shopping as you are paying for it :rotfl:

1. Yes, I had a risk score 3 with a CPD when LTSB upgraded my current a/c to Gold.
2. No
3. AFAIK the data they receive does not pre-date the data they shared. I cannot be 100% sure on this.

I'm waiting to hear back from The Coventry about my current a/c application with them. If they turn me down I'll give it six months then apply for HSBC.

sutton111

kilasuit wrote: »

Ps Sutton do you have this new version of the O/D page?

Lol, no. I still don't even have an option to see an Overdraft

Red_Rabbit

izools wrote: »

1. Yes,

Why do you always post comments without proof and facts? It is all very good trying to replace a valued poster but at least s/he knew their stuff where as you use guess work according to some of your posts, even they used to correct some of your posts (i used the search facility).

I am learning all the time but tend to find only a few people reply with solid answers, suggesting they know what they are talking about. You come across this way but a lot of your posts get slam dunked when people tear your reply to shreds. I just think you should take time out and post in a way that tells us you're guessing and not using facts. I only post a reply when I know what i'm talking about, maybe you aught to try the same

Red_Rabbit

sutton111 wrote: »

Lol, no. I still don't even have an option to see an Overdraft

it changes after 6 months i think i read. apparently you start to build a internal score after that time. Was sure I seen that if you took and overdraft when you opened the account then the facility would always be there but if not then they waited 6 months.

I absolutely hate the orange card :mad:

izools

Red_Rabbit wrote: »

Why do you always post comments without proof and facts?

I was lied to by the bank in respect to the impact new accounts have on the risk score which I later pointed out... It wasn't guesswork. "Don't shoot the messenger".

However the "Yes" of mine that you quoted is indeed a simple cold hard fact.

Red_Rabbit

izools wrote: »

I was lied to by the bank in respect to the impact new accounts have on the risk score which I later pointed out...

However the "Yes" of mine that you quoted is indeed a simple cold hard fact.

All banks lie :rotfl:

But the bank would not say the things you do, because the front line staff do not know. I have been reading this for a few weeks now, ever since I had a problem with opening a new account and seen you argue your point with never-in-doubt a few times but s/he proved you wrong on each occassion. i'd go back and read those posts to find out the truth, because what was said then does add up which you even said so yourself m8. I think you be best leaving ltsb before they make you go insane!

izools

Red_Rabbit wrote: »

All banks lie :rotfl:

But the bank would not say the things you do, because the front line staff do not know. I have been reading this for a few weeks now, ever since I had a problem with opening a new account and seen you argue your point with never-in-doubt a few times but s/he proved you wrong on each occassion. i'd go back and read those posts to find out the truth, because what was said then does add up which you even said so yourself m8. I think you be best leaving ltsb before they make you go insane!

OK fine if you want to have a dig because I'm not infallible that is entirely up to you but do remember the forum rules in regard to respect for fellow members.

You seem to be selectively not reading the post in which NID also ended up equally wrong. In regard to your suggestion that the bank would not say the things I do that is completely incorrect in the case of LTSB which is why I have applied for an account elsewhere and will be letting my feet do the voting.

TBH if 30 or so of my posts have been completely wrong I'm perfectly comfortable with that as that would still leave a 99% accuracy rate

Live and let live :beer:

EDIT: If you want to talk abut egg on face look at my reply to James @ Experian's post : https://forums.moneysavingexpert.com/discussion/2658939

Red_Rabbit

i'm not having a dig. sorry if it seems like that.

Red_Rabbit

izools wrote: »

EDIT: If you want to talk abut egg on face look at my reply to James @ Experian's post : https://forums.moneysavingexpert.com/discussion/2658939

Well done, i hate experian! But similarly most of the facts about experian were posted by NID and others that knew their process. I don't want a spat with you but anyone can post here and I only pointed out that I felt you should step back a little because it is clear you're not as good as some of the other posters, merely good at taking in the knowledge already given to you in previous posts. That in my book doesn't make you an expert. i think I speak for many when I say that NID was an expert with some stuff especially fighting credit agencys and banks lol.

have you noticed a few hard cores have left? a few people that I used to follow no longer post, has something happened that ive over looked? thanks.

izools

Red_Rabbit wrote: »

Well done, i hate experian! But similarly most of the facts about experian were posted by NID and others that knew their process. I don't want a spat with you but anyone can post here and I only pointed out that I felt you should step back a little because it is clear you're not as good as some of the other posters, merely good at taking in the knowledge already given to you in previous posts. That in my book doesn't make you an expert. i think I speak for many when I say that NID was an expert with some stuff especially fighting credit agencys and banks lol.

have you noticed a few hard cores have left? a few people that I used to follow no longer post, has something happened that ive over looked? thanks.

So if I repeat knowledge that I've learned from other experienced members that have since left, does that make my posts any less informative or valuable? Given that the information is essentially the same?