National Hunter.

R34GTT

I believe National Hunter holds possibly amongst other variables a record of salary or income, gathered from information supplied in previous applications for credit. They are a group of Experian.

Dunree

R34GTT wrote: »

I believe National Hunter holds possibly amongst other variables a record of salary or income, gathered from information supplied in previous applications for credit. They are a group of Experian.

My understanding is that they are funded by ALL of the UK banks and building societies.

Dunree

''It was set up by a group of banks in 1993, but is now co-owned by 60 banks, building societies and specialist lenders''

SnowTiger

sharpy2010 wrote: »

I wonder why banks can't just say the truth when you apply for credit and they refuse. I'd much prefer something like this -:

"Dear Mr xxxx,

After looking at your application, your salary is too low to support your requested line of credit, therefore we have had to turn you down on this occasion".

Because punters would wait six months and then re-apply, adjusting their application to meet the lender's criteria.

As and example: credit card companies rarely, if ever, ask applicants to prove the income they've put on their application form is genuine, although I think National Hunter checks for inconsistencies across applications.

[Deleted User]

Unlike the other agencies, National Hunter only deals with fraud checks. For example, they'd flag up when you've applied for stuff in the past with a £10000 salary, and suddenly 6 months later you're earning £250000, or if you were using the same mobile phone number as a different person on your applications.

sharpy2010

billbennett wrote: »

Unlike the other agencies, National Hunter only deals with fraud checks. For example, they'd flag up when you've applied for stuff in the past with a £10,000 salary and suddenly 6 months later you're earning £250,000

Must be somewhat frustrating to the 0.0001% of the population who actually manage to get a salary increase of this type!

Dunree

sharpy2010 wrote: »

Must be somewhat frustrating to the 0.0001% of the population who actually manage to get a salary increase of this type!

Imagine an increase like that Sharpy, would frighten the bayjaysus out of National Hunter, their systems would go into meltdown :rotfl:

mark666_2

Does anybody know how long it takes to get the information from national hunter? I will be applying for a loan soon, have checked my credit file and score (999/1000) but I just want to double check everything before I apply..

Anyone for their info with these guys before?

BugsyBrowne

mark666 wrote: »

Does anybody know how long it takes to get the information from national hunter? I will be applying for a loan soon, have checked my credit file and score (999/1000) but I just want to double check everything before I apply..

Anyone for their info with these guys before?

With that score you'll get rejected as the 999 score is not only meaningless and the lenders don't care or see your score.but that's normally giving out when silly Experian doesn't think you've enough history to give you their worthless score.

Look forget about your pathetic score that CRAs sell you just look through your credit report and make sure there's plenty of credit history all paid on time.

mark666_2

Thanks for that.. Here's abreakdown

2 open credit cards - 10k credit, 6k used 0% til Dec on both
1 current loan of 12k, 6k left to pay
2 bank account, 1 overdraft is £500 overdrawn
1 phone contract
Same address for 27 years
No morgage (live with parents)
No late payments for 10 years on anything
On the electoral role at current adress for 9 years
Wage 42k p/a


Loans is for a new car as mines nearing the end of its life.

I just want to double check my national hunter file as i last applied last year and probably haven't always been accurate 100% with things like length in current job (3 years ish). Does anyone know how long this is likely to take to get my info back?