The Sub Prime Credit Thread - Part V

digitalphase

wizzywig27 wrote: »

does anyone know who Lloyds TSB search for overdraft facilities?

They use their own scoring process for this. I applied for an overdraft with them after they gave me a full account, and I didn't get credit searched.

A few month later they offered me their Advantage Credit Card, accepted, again without a credit search.

IME LTSB are good as they tend to rely more on their own inhouse scoring i.e. how you deal with your finances with them, rather than relying on credit report information.

sutton111

digitalphase wrote: »

They use their own scoring process for this. I applied for an overdraft with them after they gave me a full account, and I didn't get credit searched.

A few month later they offered me their Advantage Credit Card, accepted, again without a credit search.

IME LTSB are good as they tend to rely more on their own inhouse scoring i.e. how you deal with your finances with them, rather than relying on credit report information.

Also they receive monthly feeds from Experian, so they know what's going on anyway really, without the need of a credit search.

Zack1

apples24 wrote: »

jjb only gave a 250 limit? thought it was more of a mainstream card, spose thats what they will give me then when i receive mine

It is, but they seem to have a lot of sub-prime policies, means borderline people like me get accepted with amounts like £250, non-borderlines get accepted with 1k. But after we've been accepted we get the chance to prove ourselves and get 30% increases, after the first few that adds quite a bit onto your credit limit... that's the way to operate IMO, shame more of these companies don't follow their way of working!

never-in-doubt

digitalphase wrote: »

They use their own scoring process for this. I applied for an overdraft with them after they gave me a full account, and I didn't get credit searched.

A few month later they offered me their Advantage Credit Card, accepted, again without a credit search.

IME LTSB are good as they tend to rely more on their own inhouse scoring i.e. how you deal with your finances with them, rather than relying on credit report information.

No thy do not use behaviour scores "only"!!!!

They score you using feed data and full searches if necessary!! Jesus, more people that speak crap, without knowing the facts!!

ElkyElky

never-in-doubt wrote: »

Look at you all- fcuking hypocrites!!

So you're now best mates with the same little gob !!!!!! are ya? So the fact those same people pm me telling me izools is lying and he needs putting straight now feel sorry for him eh??

Fcuking joke!! Enjoy!

God no, but we all agree the whole situation is completely off-topic. People are trying to ask questions, get advice about credit stuff but have to sift through all of this izools and his bankruptcy boll*cks.

Entertaining, perhaps to begin with but it's all just being dragged on now. :j

never-in-doubt

ElkyElky wrote: »

God no, but we all agree the whole situation is completely off-topic. People are trying to ask questions, get advice about credit stuff but have to sift through all of this izools and his bankruptcy boll*cks.

Entertaining, perhaps to begin with but it's all just being dragged on now. :j

But you miss our valid and legitimate point - the guy is a bankrupt, would you go take financial advice from a bankrupt ifa? Lol.

Then he calls me anti bankrupt - yet forgets I help them daily so someone told him this and now you all feel sorry for him!!

The two faced people on this site is un!!!!!! believable. I ought to publish some of my pm's - then a few if u would wake up and smell the coffee!!!

never-in-doubt

Cash_Flow wrote: »

:money:Award winning advice

Really? Try checking your own post history before being a smarty arsey there's a good boy.

You do nothing to contribute so please don't get above your station. You're another leech that clings on gasping for a break to further extend your debt so don't go forgetting that yea?

Your advice is none existent lol.

ElkyElky

never-in-doubt wrote: »

But you miss our valid and legitimate point - the guy is a bankrupt, would you go take financial advice from a bankrupt ifa? Lol.

Then he calls me anti bankrupt - yet forgets I help them daily so someone told him this and now you all feel sorry for him!!

The two faced people on this site is un!!!!!! believable. I ought to publish some of my pm's - then a few if u would wake up and smell the coffee!!!

I don't feel sorry for him in the slightest, I feel sorry for this thread and the other members who have to endure this constant and on-going rambling.

It's your prerogative to publish your PM's. It wouldn't bother me in the slightest if izools saw what I've written about him in PM's I sent to you, although I can't speak for others who have also PM'ed you.

never-in-doubt

Wasn't referring to you mate!

ElkyElky

never-in-doubt wrote: »

Wasn't referring to you mate!

Oh LOL. :beer: