The Sub Prime Credit Thread - Part V

stephane_2

Innocent_Guy wrote: »

I have been led to believe that it is all done internally. Phone up and ask

I don't think I would want to call them...I am tempted but don't want to have another search on my experian file..

sutton111

stephane wrote: »

I don't think I would want to call them...I am tempted but don't want to have another search on my experian file..

Oh go on. If they say they'll search you again, just decline and say you have too many searches.

stephane_2

sutton111 wrote: »

Oh go on. If they say they'll search you again, just decline and say you have too many searches.

If I was would be doing it online...I have the card since summer last year and never requested a limit increase.

never-in-doubt

stephane wrote: »

If I was would be doing it online...I have the card since summer last year and never requested a limit increase.

Then you'll be auto accepted i'd presume :beer:

stephane_2

never-in-doubt wrote: »

Then you'll be auto accepted i'd presume :beer:

Maybe but at same time I want to be sure that they won't perform a search & no one seems to know with FD...

never-in-doubt

stephane wrote: »

Maybe but at same time I want to be sure that they won't perform a search & no one seems to know with FD...

They will do a search, unrecorded so noone else will see it - it is astandard throughout HSBC group mate :beer:

fairmorn308

Evening

A few of you might remember i applied for a RBS account last yr etc etc. I never got the account until start of year i noticed them reporting to the CRA that i had a account with them. I wrote to them to get access to account and cards etc and below is my reply. Now they are still reporting to the CRA 9 months later. Is there anything i can do?

izools

What does it say the account "Start Date" as being on your credit file?

fairmorn308

start date is 09/2009 which is when i 1st went into branch to apply for account

izools

Then you need to write back to them stating that their response is irrelevant and not pertinent to your original query.

State in your letter that your query relates to an account that was opened in September 2009, and an entry on your credit file that shows an account was opened in September 2009. Include this section of your credit file in your letter.

Ask them that due to the data appearing on your credit file they have 30 days to either:

1. Provide the materials required to make use of this account (debit card, paying in book, online banking details, etc)
2. Remove all reference to this account from your credit file as it is representing a no existent account, be that the case

Good luck!