Applying for nationwide

kieran_coster

I got declined from nationwide last year after in September after having a Cifas marker cat 6 wrongfully placed on my name in March 2020, I challenged it and had the Cifas marker removed last week and my Cifas sar come back clean, if I apply for nationwide again will that be ok or will I most likely get declined again

colsten

There's only one way to find out.

superM

My other half CIFAS and TSB declined her applucation. I challenged the CIFAS and it was removed. 6 months later she reapplied and it was accepted straight away.
So there is a chance. 

kieran_coster

superM said:

My other half CIFAS and TSB declined her applucation. I challenged the CIFAS and it was removed. 6 months later she reapplied and it was accepted straight away.
So there is a chance. 

Yeah it’s looking good so far I went into branch explained my situation have a account open so far just waiting for it to fully be opened and pass all checks

PRAISETHESUN

If Nationwide have previously said that the CIFAS was the only thing stopping you getting an account, and your circumstances are exactly the same as they were 12(ish) months ago then I don't see why they should decline you - all you can do is apply and see though. If rejected, I'd wait a few months before trying again.

kieran_coster

PRAISETHESUN said:

If Nationwide have previously said that the CIFAS was the only thing stopping you getting an account, and your circumstances are exactly the same as they were 12(ish) months ago then I don't see why they should decline you - all you can do is apply and see though. If rejected, I'd wait a few months before trying again.

Yeah not sure why they declined me again received the email saying they have, need to try tsb now

kieran_coster

superM said:

My other half CIFAS and TSB declined her applucation. I challenged the CIFAS and it was removed. 6 months later she reapplied and it was accepted straight away.
So there is a chance. 

Nationwide declined me again trying tsb now

Ed-1

kieran_coster said:

superM said:

My other half CIFAS and TSB declined her applucation. I challenged the CIFAS and it was removed. 6 months later she reapplied and it was accepted straight away.
So there is a chance. 

Nationwide declined me again trying tsb now

STOP. Halt.

The CIFAS will remain on your credit files until the CRAs receive their monthly updates. You need to wait until it has fed through to the CRAs.

kieran_coster

Ed-1 said:

kieran_coster said:

superM said:

My other half CIFAS and TSB declined her applucation. I challenged the CIFAS and it was removed. 6 months later she reapplied and it was accepted straight away.
So there is a chance. 

Nationwide declined me again trying tsb now

STOP. Halt.

The CIFAS will remain on your credit files until the CRAs receive their monthly updates. You need to wait until it has fed through to the CRAs.

Cat 6 don’t show up on your credit file, it was never on there in the first place as I pass the credit checks and the accounts get opened then a few days later they get closed 

Ed-1

kieran_coster said:

Ed-1 said:

kieran_coster said:

superM said:

My other half CIFAS and TSB declined her applucation. I challenged the CIFAS and it was removed. 6 months later she reapplied and it was accepted straight away.
So there is a chance. 

Nationwide declined me again trying tsb now

STOP. Halt.

The CIFAS will remain on your credit files until the CRAs receive their monthly updates. You need to wait until it has fed through to the CRAs.

Cat 6 don’t show up on your credit file, it was never on there in the first place as I pass the credit checks and the accounts get opened then a few days later they get closed 

They don't show to you. But they do to the bank.

kieran_coster

Ed-1 said:

kieran_coster said:

Ed-1 said:

kieran_coster said:

superM said:

My other half CIFAS and TSB declined her applucation. I challenged the CIFAS and it was removed. 6 months later she reapplied and it was accepted straight away.
So there is a chance. 

Nationwide declined me again trying tsb now

STOP. Halt.

The CIFAS will remain on your credit files until the CRAs receive their monthly updates. You need to wait until it has fed through to the CRAs.

Cat 6 don’t show up on your credit file, it was never on there in the first place as I pass the credit checks and the accounts get opened then a few days later they get closed 

They don't show to you. But they do to the bank.

Well surely I wouldn’t pass the credit check in the first place if that’s the case? But I do pass the first credit check it’s after a few days when they go through security checks it gets closed