The Sub Prime Credit Thread - Part V

Scotty1.7

oh right, get you know mate.

I will do poss.

Cheers for the advice

big_Daddy_Dave

i need help, i tried to upgrade my HSBC acc. from a basic account to a nromal account but i was declined

anyone know how i should improve my havioural score? the guy on the phone wasnt too helpful

ive been on the elec roll since August and wasnt in my previous address

i havent had any other credit products, but i cant check my credit files atm because theyre all asking for my passport that i havent renewed yet

any ideas? thatnks

Dr_Cuckoo3

big_Daddy_Dave wrote: »

i need help, i tried to upgrade my HSBC acc. from a basic account to a nromal account but i was declined

anyone know how i should improve my havioural score? the guy on the phone wasnt too helpful

It would be useful to know what your behaviour score is in the first instance :idea:

big_Daddy_Dave

i dont know it, i was never told, can i just ask for it?

Dr_Cuckoo3

big_Daddy_Dave wrote: »

i dont know it, i was never told, can i just ask for it?

yes

The message you have entered is too short. Please lengthen your message to at least 10 characters.

marilyna wrote: »

I called up internet banking and asked for my score. The first person I spoke to kept me on hold so long I hung up. I rang back a few hours later, and was told by the next person. I have been told what my score is when I go into the branch and apply for products.

This is a list of scores from an old thread

you need a score of 70+ to be pre-approved (i.e. soft search with CC and behaviour score)

40+ to get an account
50+ to get overdraft/cgc (or wait 6mths)
60+ to get credit card (or wait 6-9 months)
70+ to get loan (or wait 12 months

As you can see the score is higher for a loan, than a credit card. I can get a loan, but not a credit card.

jw30

So if you hold a basic account your score is lower than 40 or do you just don't get a score if your a basic customer?

I know barclays and lloyds tsb i couldn't upgrade from cash account and cash card account. Admittedly i waited over a year before closing the lloyds one 12mths green o's and have always kept open the barclays as open longer!. Now I'm a premier customer they are weird bunch lloyds never had a default or one late payment yet i was a cpd customer for ages!.

big_Daddy_Dave

Dr_Cuckoo3 wrote: »

yes

The message you have entered is too short. Please lengthen your message to at least 10 characters.

ahh thanks for that

big_Daddy_Dave

just phoned up and the guy said there isnt even a bahavioural score on my account

!!!!ed

no idea what to do now i guess ill just open another account or something

big_Daddy_Dave

what i wroted there was piiiiiised

TheEffect

big_Daddy_Dave wrote: »

just phoned up and the guy said there isnt even a bahavioural score on my account

!!!!ed

no idea what to do now i guess ill just open another account or something

Basic Bank Accounts with HSBC do not have behaviour scores. If you attempt to upgrade to a standard HSBC current account, it's entirely credit check related and you'll have to satisfy the credit check requirements as if you were applying for a new current account.