What's your Lloyds internal score?

BMN

Innovate wrote: »

Because I had it placed on mine with loans about 3 months after I bought a car "which I think why it was placed" and when I went into the branch about downgrading my account they swung their computer around and I see it said credit policy decline and when questioned it the advisor said it's placed under loans.

I didn't have it next to credit cards as I have a lloyds credit card and got a large overdraft with them.

I'm arguing with you because I see it with my own eyes yet you decided to keep posting saying how credit policy decline does not get placed on customers accounts.

Now all of a sudden you've decided to change your mind from credit policy decline do not get marked on accounts to you knowing they do get put on customers accounts.

After seeing CPD on the screen with my own eyes and then you disputing this saying you work at lloyds still won't make me change my mind about you telling lies about working at lloyds.

There seems to be a misunderstanding between you and me about the terms placed, marked etc.

I hope my previous post clears this up.

Macca83_2

BMN wrote: »

CSA (cashier)... been there, done that. It does show credit policy decline on the system but I am arguing that it is not a marker which can be placed. That simply isn't how it works.

Remind me of any branch roles that don't involve seeing customer accounts?

Why and how are you so sure of yourself?

I think you're trying to explain that a cpd is not a marker placed by an individual. It's more of a decision that is generated on a monthly basis by a system?

A marker would be more of a 'strict flag' which is placed after borrowing.

I think though, you might be acting overly pedantic about the whole thing. Does it matter?

MoneySaverLog

A marker is a marker whether it was put there by a human or decided by a computer programme. The result is the same if it shows CPD on screen then the man from delmonte will say no.

iAMaLONDONER

MoneySaverLog wrote: »

A marker is a marker whether it was put there by a human or decided by a computer programme. The result is the same if it shows CPD on screen then the man from delmonte will say no.

However is it removed by a computer on the 20th? Or can an underwriter or senior manager remove it?

CherlokHomes

iAMaLONDONER wrote: »

However is it removed by a computer on the 20th? Or can an underwriter or senior manager remove it?

No senior manager or underwriter can remove a CPD.

iAMaLONDONER

CherlokHomes wrote: »

No senior manager or underwriter can remove a CPD.

So the anyone with a CPD is at the mercy of a computer!

BMN

iAMaLONDONER wrote: »

So the anyone with a CPD is at the mercy of a computer!

If you genuinely are a good candidate for credit (most won't be) then there are ways around it.

But yes it is the system which makes the assessment.

CRISPIANNE3

Had to go into Lloyds today and out of interest ask them mine and they said 1A. The advisor explained the important element was the A and that meant I qualified for their best lending rates. Which in my case was 5% for a personal loan over £10,000 or may have said over £7500.

stclair

CherlokHomes wrote: »

No senior manager or underwriter can remove a CPD.

That's not correct as if you send your credit report to higher lending in Brighton they will acess your account profile and remove a CPD if necasary.

iAMaLONDONER

stclair wrote: »

That's not correct as if you send your credit report to higher lending in Brighton they will acess your account profile and remove a CPD if necasary.

That's a very interesting thing to know!