Rejected for Halifax One card... but no credit search?!

BugsyBrowne

rachaellyndsey wrote: »

Thanks for posting Gromitt, with the responses I've received it sounds like that's what happened- I just have no experience with credit rejection, and assumed that they always credit check you no matter what.

You've got a 20k limit on a capital one card now so I'm sure this was a bigger limit than expected.

Gromitt

rachaellyndsey wrote: »

Thanks for posting Gromitt, with the responses I've received it sounds like that's what happened- I just have no experience with credit rejection, and assumed that they always credit check you no matter what.

I was credit checked by Halifax twice in the same day when I applied, then rejected. I've no idea why (the usual check your credit report, etc). I then applied to the AA and got a 6K limit and 0% on purchase for 11 months, so my credit could not have been that bad.

opinions4u

rachaellyndsey wrote: »

If I was rejected before it reached a credit search, then the staff have lied to me.

It's more than possible that staff have given you information to the best of their understanding.

There is a difference between lying and inadvertently giving out incorrect information.

It might be fair to question their competence. But to question their honesty is a tad strong.

rb10

rachaellyndsey wrote: »

If I was rejected before it reached a credit search, then the staff have lied to me.

Various members of Halifax staff looked at the application I submitted, and into our account, and said that we had passed the internal requirements. I have call recording enabled on my house phone, and asked very specific questions.

They said it was checked by Experian, but Experian say it wasn't.

So.. based on the facts, either they've lied on multiple occasions, or they've credit checked the wrong person?

The rejection could still have been on the basis of Experian data, without them doing a specific credit search.

As YorkshireBoy mentioned, they get a thorough monthly feed of data from Experian. This doesn't show on your credit report, it just happens. So it means they can see everything about you - and base lending decisions off Experian data - without it being recorded as a search.

rachaellyndsey

So I thought I'd post an update as I went into Halifax today and the response was very interesting for others who have been rejected.

We had a mortgage meeting, and mentioned being rejected without a credit search to the mortgage lady. She said there was no reason why we would, and sent us to the credit card lady.

The credit card lady was able to get our personal data up on her computer, and showed us the 'risk' section of each of our names, and how the branch had rated us (we were A1 customers). She was able to look at our application, and said that even though we had the rejection screen, it hadn't actually been submitted. She submitted it in branch, and we were immediately accepted, with a £1800 credit limit.

The lady said that they've been updating the computer system recently, and this could be why we were rejected without it actually being processed- so hopefully this info can help others who may be in the same situation

rachaellyndsey

Just to confirm for those not following the thread, I'd completed all of the information on the application screen, pressed submit.. waited the minute or so while it processed, and got the 'Unfortunately, you've not been successful, people get rejected for various reasons etc' screen. I work in an IT company, so it wasn't just a mistake I'd made, the process had been complete and I'd been rejected. Noone I rang at Halifax told me that the application hadn't been submitted, everyone just said that we'd been rejected & they couldn't say exactly why.

chanz4

£1800 is a very low limit for them

rachaellyndsey

so...? You don't know how much we asked for.

Honestly, some people on forums are extremely helpful and knowledgable, others would argue black was blue, & not know why they were arguing it in the first place

YorkshireBoy

rachaellyndsey wrote: »

others would argue black was blue

I think you'll find it's 'black was white'.

But seriously, are you sure they said A1? Reason being from memory LTSB always 'scored' with number first, ie 1A...with the 1 designating size of facility that could be granted based on income/throughput/etc and A designating risk-band (APR terms on credit cards) and I'm wondering if Halifax have adopted this approach since being taken under the Lloyds Banking Group umbrella?


EDIT: Should add the numbers were 1-9 and letters A-G (I think?) with LTSB

sfax

1800 is low though as has been said and suggests something adverse in your credit report. I'd be concerned if offered only 1800 with no other cards and 50k income. Worth pursuing