Employment Detail on MBNA Application

Buzby

Bravehearted wrote: »

This is honestly the most !!!!!! thing I ever read on here.

Lie even more? So when you go for interviews, your practice is to tell people you work there prior to receiving an offer.

Your suggestion is simply to tell another (widely unbelieveable) lie to cover the first one?

Even more moronic is the poster that endorsed your idea above.

You don't hold back do you? There's digging a hole, and there's working the system to your advantage, or limiting he damage You might have sleepless nights telling MBNA an untruth, the rest of us won't. In fact, all of my financial products have a different DoB. Why? So that I can control my personal data to a higher degree.

Nobody can 'steal my identity' by using data loosely held offshore and sold on for nefarious purposes. As we know, there is no police involvement, and the goal is to limit the potential for any damage - your approach appears to be "yes I lied, deal with me".

I think I know who had the most '!!!!!!' suggestion - confirming a firm's suspicion?

You have to laugh!

meer53

Buzby wrote: »

You don't hold back do you? There's digging a hole, and there's working the system to your advantage, or limiting he damage You might have sleepless nights telling MBNA an untruth, the rest of us won't. In fact, all of my financial products have a different DoB. Why? So that I can control my personal data to a higher degree.

Nobody can 'steal my identity' by using data loosely held offshore and sold on for nefarious purposes. As we know, there is no police involvement, and the goal is to limit the potential for any damage - your approach appears to be "yes I lied, deal with me".

I think I know who had the most '!!!!!!' suggestion - confirming a firm's suspicion?

You have to laugh!

So you tell lies too ?

jason1231972

Buzby wrote: »

You don't hold back do you? There's digging a hole, and there's working the system to your advantage, or limiting he damage You might have sleepless nights telling MBNA an untruth, the rest of us won't. In fact, all of my financial products have a different DoB. Why? So that I can control my personal data to a higher degree.

For real, or am I missing a joke?

If so, how does that affect your credit file and such? Confused and curious!

Bravehearted_2

Buzby - I really did chuckle at the idea of using different DoBs. This is SO the definition of fraud - the kind that leads to staight declines. I think you may be a bit too paranoid, trying to secure your identity and "work the system".

Consumerism - what annoys me about NHunter is the salary issue. Many people get pay rises, new jobs, higher pay between applications. Obviously this is flagged by NHunter which sometimes leads to underwriters declining them when they've really told the truth. I can imagine this being Annoying!

jakesuk

consumerism wrote: »

It doesn't flag up with N Hunter.

N Hunter is programmed to recognise and detect varying discrepancies between applications so if you apply one month saying you earn £12k and your employer is ABC jobs Ltd but the next month you say you earn £50k at ABC jobs Ltd that would detect a key change and flag N Hunter.

If however you earned £12k and you applied the following month stating a salary of £14k, then N Hunter would recognise that as being accepted within normal restructuring of salary thus no refer flag would appear.

Same applies for any other changes.

If you know you're moving jobs, houses or numbers then don't apply for new credit immediately as this will flag N Hunter refer status'

How does N Hunter cope with an individual with 2 employmeints? Suppose you make an application in May at which point you have 1 employment with salary of £40k. You make a second application in July at which point you now have 2 employments with salaries of £40K and £20K, so you enter £60K on your application. In both applications you enter ABC Jobs Ltd as your "primary" employer.

Is NHunter likely to raise a red flag? A lot of people of all salary brackets have several part-time employments.

How often do red flags stay on the NHunter database?

gwapenut

How best to handle salary details when salary sacrifice into a pension has occurred? Have read varying things - quote pre-sacrifice salary, or post-sacrifice salary - or even net monthly income aft tax etc.

Net monthly income after tax etc is clear to me -it's post pension too. But I have sometimes quoted my full pre-sacrifice salary, because I radically change the amount I agree to sacrifice with my employer each year depending on circumstances - it can be up to 20% of my salary.

Am a little concerned now that this will raise flags on N Hunter, when I am trying to be honest but diff companies give diff guidelines on what should be quoted.

Same for dependents - mortgage company told me to declare no financial dependents if I pay maintenance, as the maintenance declaration covers all child cost. But for otehr applications not asking about maintenance, it seems right to decalre a dependent. All very confusing!

jakesuk

consumerism wrote: »

N Hunter goes on the data provided by YOU. Secret to beating it, always use the same data.

I use a set date, for example 9/9/09 as the date of everything so I cannot forget it. Remember, if you don't apply for anything for around a year then make one application using 'refreshed data' then match that data every application you make after that will go by this original data and not flag up.

Biggest error people make is guessing length of time at employer or length of time at bank.

Thanks for your responses consumerism, it's helpful to know for someone who isn't fraudulent but feels like they might be red flagged.

Take my situation, I have 3 current accounts. This isn't uncommon and many people on the MSE forum have more current accounts than me. When completing applications I have been minded to report the length of time with my bank for the current account which I have held the longest, however on my most recent application I used the most recent current account since that was the one I was going to use for the direct debit.

I could have been redflagged because my length of bank would have been completely different on two applications within a 12 month period.

Guess the only way to avoid this is to ensure the same information is repeated on applications made within any 12 month period;.