Sub Prime Credit Card Club

Bosie

This was by poster dunstonh which is interesting if you read it is just an ID check! Money laundering. (7/3/06)
I understand what you are saying. However, you do have to be aware that the information that is seen "at our end" compared to the information you can see "at your end" is totally different.

Take the Experian money laundering report which appears as a check on your report. This searches electoral roll, credit agreements, address, telephone number, personal data (date of birth, marriage status, children, banking details) etc. Quite a large amount of personal data there! However, the output we see at the end just gives it a score out of 100 as to the likelihood of that person being the right person and confirmation of how many things it searched confirmed the address and the identity along with how long they have been on the electoral roll. It also notifies us of errors in the information and potential high risk issues with regards to identity fraud that the data may be able to detect. No other personal information is shown or can be seen.

If we saw all the data, then I would agree with you 100%. As we don't see anything apart from what is already available publically, I can't see an issue with it.

I don't transact mortgage business anymore due to my focus on investment class but when I did, the credit checks done then didnt show much in the way of personal data either. Hopefully, one of the mortgage advisors on the board will be able to chip in to what info they get nowadays.

Chinese_Student

Hi People, I just came across this wed site on google, i must say this is the best money saving wed site i seen in the world. Well done to people who are contributing and doing it:T You have made a real different to ordinary people life.

I like to share my experience on applying credit cards and Bank accout in England, please bear with me if i mis typed or mis spell. My English need to be improved .

I came over to England from China to do my philosophy degree couple of months ago, the course due to start in september this year. I went to 2 banks to open an account, but no luck! No reasons given why i was declined , more than 15 questions asked and I just felt like i was treated like criminal in the bank. I probably would not apply for any current account for a while due to the experience i had. I will see how i cope without a current account in the UK.

I accidently came across the monument credit card wed site on 13 May,after read through the wed site, I applied online on
14 May, not heard anything for a month. The pin number arrived yesterday!:rotfl:I think i must be the lucky person alive after reading through this tread.:p
and i also applied for capital one classic card 3 weeks ago with successful outcome. They gave me 100 pounds limit, :A
I am really over the moon. I will use these 2 credit cards for the time being, and pay them off every month, and see what happen.
So, people don't give up so easily, There's always a hope, as the English always says "there's a will, there's a way";)

Hope i am boring you at this time of the night.:rolleyes:


Choi

craigp_2

Welcome Choi hope all is well and congratulations on getting your two cards :T and dont worry about your English its perfect :beer:

Good luck with your degree and stick around we are a friendly bunch

PROLIANT

Hello Choi and welcome to England, well done on getting accepted for the credit cards and good luck with your studies. :T

spinningsheep

Just had yet another rejection from Aqua, wont bother applying again, they obviously dont want me!

PROLIANT

spinningsheep wrote: »

Just had yet another rejection from Aqua, wont bother applying again, they obviously dont want me!

Dont let it get you down, have you found out why you have been rejected? Have you got a copy of your credit files ?

emmy05

morning all, sneaking in whilst darcys busy at work lol, welcome newbies to the thread xxx

clio

how do the cra's know if you have children and are married. Do they just take it from your application!!

spinningsheep

yes Proliant I have got a copy, there are about 6 satisfied defaults, all old and will all have dropped off by end of 09, I suppose it may be my searches that have !!!!!!ed it all up, ive had about 45 in the last 6 months. damn that apply button!!

emmy05

spinningsheep wrote: »

yes Proliant I have got a copy, there are about 6 satisfied defaults, all old and will all have dropped off by end of 09, I suppose it may be my searches that have !!!!!!ed it all up, ive had about 45 in the last 6 months. damn that apply button!!

45 searches? eeek :eek: thats a lot to have on there, would be best to ride it out til theyve all gone really, before applying again x