The Sub Prime Credit Thread - Part V

costaerer

kilasuit wrote: »

you've checked equifax right?

yes i did.


why the hell do posts have to be 30 characters!!!!

stephane_2

All you have to do is call them and ask what is progress on your application...they will tell you straight away

costaerer

yeah ok, what time do they close. and i dont have a reference number or anything :-/
im just curious as toi why calling and asking about a decision is going to sway them? im really thinking negative.

also equifax i have 6 credit accounts showing and experian i have one which is a bank account with £20 in?

kilasuit

its eitehr 6 or 8 that they close though i wudnt be surprised if underwriting is 5

stephane_2

No reference number.....um...might be a decline then

costaerer

i just didnt write it down when i applied.

stephane_2

costaerer wrote: »

i just didnt write it down when i applied.

With name and address they'll find you anyway...

costaerer

ok im so confused. experian ive got zero history with them. just a basic like under 16 account from when i was younger. do you think this is why i could be declined for cards??

equifax i have like 6 different accounts showing on my credit file with them.

what should i do?

stephane_2

You need to speak with experian directly just to make sure that the format of your address is correct...if it has nothing to do with experian then you might want to contact creditors to see if they report your account with experian as well as equifax

costaerer

stephane wrote: »

You need to speak with experian directly just to make sure that the format of your address is correct...if it has nothing to do with experian then you might want to contact creditors to see if they report your account with experian as well as equifax

what do you mean the format of my address? it seems right on experian when i look!