Applied for Sainsburys loan got reffered to underwriter

bigadaj

Clive_Woody wrote: »

You may award him your own score as you see fit but I refuse to open up my scoring to the public. A lot of thought went into that figure and I will not have it corrupted by popular opinion!!!

For once I am anti-poll (but most definitely not anti Polish before anybody reports me to the moderators....).

I fear I have gone off topic a little bit here. What were we talking about....

Fair enough but I'm not sure your business model is the best. Why not charge say a tenner a month, and get people to sign up for direct debit, whilst slightly chnaging the score every month for no apparent reason. You could call your company expedient, and change your name by deed poll to jones James. I assume you have taken the radical step of changing your scoring system to be out of 100 rather than 1000 or 5 which is very innovative to be fair. I'd be tempted to rank things out of a million, though, it's a bigger number so got to be better innit?

imoneyop

Clive_Woody wrote: »

I award your post a score of 96. This might mean that you could get a Halifax loan for £5000. There is no charge in this instance for my service.

Further scores will be charged at a flat rate of £25.

gb12345 wrote: »

Will the fact that I'm bankrupt, unemployed and live in a bus shelter have any affect on my score?

If you were looking at your experian or equifax scores then this additional information would have probably increased them.

Clive_Woody

bigadaj wrote: »

Fair enough but I'm not sure your business model is the best. Why not charge say a tenner a month, and get people to sign up for direct debit, whilst slightly chnaging the score every month for no apparent reason. You could call your company expedient, and change your name by deed poll to jones James. I assume you have taken the radical step of changing your scoring system to be out of 100 rather than 1000 or 5 which is very innovative to be fair. I'd be tempted to rank things out of a million, though, it's a bigger number so got to be better innit?

Some interesting ideas but currently I refuse to disclose what the maximum achievable score is to allow for future inflation.

jvernikos

Hey everyone, just to let you know how application went. Got accepted full amount at 9.1% APR vs the 23% my own bank was offering me!