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Halifax blacklisted Daughter for declining card!
Duncraig
Posts: 6 Forumite
in Credit cards
My daughter is going to USA on holiday. She followed the advice on this site and applied for a Halifax Clarity card by phone. They said her credit limit would be £500 and as this was not enough she told them it wasn't worth getting the card and she would not want one so cancel the application. They agreed. Two weeks later they've written saying she has been blacklisted for being a bad risk !!!!
What do we do as they say we can look on Experian but have to pay for that?
What do we do as they say we can look on Experian but have to pay for that?
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Comments
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What words have they used, as being blacklisted isn't a thing.
It's right that it may be detrimental that she has had a search against her name, and a lender may interpret that as a decline as it didn't result in an account being opened, but the effect is likely to be minimal.
You can look on Noddle (it's a free service, similar to experian, offered by one of the other CRAs) and see what that says, my Halifax account reports to there so anything on Experian should be there too.0 -
What exactly did the letter say? I can't imagine Halifax using the word blacklisted in its correspondence.The trouble with the world is that the stupid are cocksure and the intelligent are full of doubt.Bertrand Russell0
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What blacklist? Where is it? Who operates it? What is it used for? etc? etc?gunsandbanjos wrote: »Actually there is a blacklist but it's not credit based.0 -
gunsandbanjos wrote: »Actually there is a blacklist but it's not credit based.
I take it your talking about the TV program :rotfl:-== CREDIT BUILD IN PROCESS 30% COMPLETE ==-
Overdraft - £0 Used/£500 Limit
Vanquis Card - £1000 Limit
Aqua Card - £1200 Limit
Barclaycard Platinum - £2500 Limit
Credit Utilisation 11%/Savings - £18000 -
That does not sound credible to me0
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What blacklist? Where is it? Who operates it? What is it used for? etc? etc?
I work for a bank, not going to divulge anything else on an open forum.cheops2006 wrote: »I take it your talking about the TV program :rotfl:
No idea what you're talking about.The trouble with the world is that the stupid are cocksure and the intelligent are full of doubt.Bertrand Russell0 -
She has been told she failed credit check and is not suitable for a Credit Card. Details have been lodged on Experian and if she pays Experian they will tell her why Halifax deemed her unsuitable for credit card and exactly who Halifax contacted to check her credit worthiness. The fact remains it was HER decision not to proceed. What gives Halifax the right to register her as failing a credit check when it should never have been done in the first place as no application was submitted?0
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Sorry meant to add a thank you to Super Han about the Noodle alternative and I'll check that tomorrow0
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