Declined for a savings account!!!

jonesMUFCforever

Seejayuu wrote: »

After reading MSE about the SelfTrade ISA with £50 Amazon vouchers I applied online today. Rejected - 'Name not known' :mad:

Why? Then I did MSE's credit checker - Excellent. I'm on the Electoral Register (since 1975 same address!) but I've asked for my name not to be published. Checked via 192.com. Shows me on ER but only 2003-2005.

Does this mean you must NOT ask to have your name kept private if you wish to get a good credit rating?

Well it makes sense to me!

CleanShirt

Seejayuu wrote: »

After reading MSE about the SelfTrade ISA with £50 Amazon vouchers I applied online today. Rejected - 'Name not known' :mad:

Why? Then I did MSE's credit checker - Excellent. I'm on the Electoral Register (since 1975 same address!) but I've asked for my name not to be published. Checked via 192.com. Shows me on ER but only 2003-2005.

Does this mean you must NOT ask to have your name kept private if you wish to get a good credit rating?

Nope, shouldnt do. I don't know the exact technicality surrounding it- so before you get ready to jump down my throat- back off.. Ben :wave:.

It prevents your ER being publicly available from 192 et al. I registered in a new LA registry office at the end of last year (without my details being made available) and it still appears on my credit report and I was accepted for a current account and credit card recently.

heloid

Seejayuu wrote: »

After reading MSE about the SelfTrade ISA with £50 Amazon vouchers I applied online today. Rejected - 'Name not known' :mad:

Why? Then I did MSE's credit checker - Excellent. I'm on the Electoral Register (since 1975 same address!) but I've asked for my name not to be published. Checked via 192.com. Shows me on ER but only 2003-2005.

Does this mean you must NOT ask to have your name kept private if you wish to get a good credit rating?

I'm not on the edited register which they publish for phone scammers and it isn't an issue. Could there be multiple ways to write your address or name and might confuse their systems?

jalexa

Seejayuu wrote: »

Does this mean you must NOT ask to have your name kept private if you wish to get a good credit rating?

In a word, NO.

Credit reference agencies are permitted to buy the full register for the purposes of credit referencing and anti-money laundering (identity) checks.

I do not know what checks Selftrade performed but you are entitled to ask and be informed if a credit reference agency was searched.

Although not a "credit issue" it would be a good idea to check your Equifax and/or Experian credit reports for any obvious problems with your listing affecting your name and address.

Seejayuu

CleanShirt wrote: »

I registered in a new LA registry office at the end of last year (without my details being made available) and it still appears on my credit report and I was accepted for a current account and credit card recently.

There's nothing to beat QED proof :T Thanks. Also for Heloid's reply. My surname is often spelt wrongly - but not by me

Seejayuu

jalexa wrote: »

Although not a "credit issue" it would be a good idea to check your Equifax and/or Experian credit reports for any obvious problems with your listing affecting your name and address.

Thanks & noted. Will do.

Experian_company_representative

EU residents can register to vote in the UK, but can only vote in certain elections. This information does appear on credit reports.

Savings accounts trigger ID checks not credit checks, so it's not about creditworthiness at all.

When these checks are based on your credit report data, which many are these days, they look at how much data you have, whether it's consistent and what sort of data it is. So, for example, having a mortgage registered at your address in your name carries more weight than a mail order account.

It's unusual to be turned away following an unsuccessful electronic ID check. Most providers would simply revert to paper-based proofs.

James Jones

pmduk

Experian_company_representative wrote: »

It's unusual to be turned away following an unsuccessful electronic ID check. Most providers would simply revert to paper-based proofs.

Some bank staff will turn you away on the slightest pretext. Usually blaming the poor old Data protection act