Credit checking.. how do they know? - HotUKDeals
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Credit checking.. how do they know?

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I heard that on each person's credit file, there are information on the person's job, pay, how long lived in that address etc.. How do they know all these info? Is it possible to change some to get… Read More
fotocopy Avatar
6y, 8m agoPosted 6 years, 8 months ago
I heard that on each person's credit file, there are information on the person's job, pay, how long lived in that address etc..
How do they know all these info? Is it possible to change some to get a good credit card?

Cheers
fotocopy Avatar
6y, 8m agoPosted 6 years, 8 months ago
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banned#1
Is this a joke?
#2
is not. why are you asking?
banned#3
So you are seriously asking if it is possible to lie about your details to get a better credit rating?
[mod]#4
NI Number and the electoral roll gives them all the info they need. They then search you out to see what other credit you have.

If you lie then you are committing fraud..........not a good idea.
#5
I lived abroad for a few years, came back to a lovely blank credit rating.(after some excess as a student)

Edited By: Randa1 on Oct 23, 2010 15:05: sp
#6
I could not get a credit card so far that's why I'm asking.
Maybe is because my pay is not high.
So do they exactly know what my job is and how much I'm earning?
banned 1 Like #7
capital one will give you a credit card, that will help your credit rating, but its high interest, so only get if you going to be paying it off in full each month
[mod]#8
fotocopy

So do they exactly know what my job is and how much I'm earning?


I'd have thought so.........especially as you put such info into a Credit Card application. :D
banned#9
fotocopy
I could not get a credit card so far that's why I'm asking.
Maybe is because my pay is not high.
So do they exactly know what my job is and how much I'm earning?


OK, this is definitely a joke. Nice one! :D
#10
fotocopy
I could not get a credit card so far that's why I'm asking.Maybe is because my pay is not high.So do they exactly know what my job is and how much I'm earning?

be carefull how many you apply for as too many declines will bring your rating further down.
#11
fotocopy
I could not get a credit card so far that's why I'm asking.Maybe is because my pay is not high.So do they exactly know what my job is and how much I'm earning?

The reason you can't get a card is more likely you have a bad re-payment record or in arrears with other accounts

Edited By: DAMNOME on Oct 23, 2010 15:16: .
#12
sassie
capital one will give you a credit card, that will help your credit rating, but its high interest, so only get if you going to be paying it off in full each month

A+

A good credit rebuilder as long as you never miss a payment etc
#13
A credit report does not give details of your job.

If you wonder why you are being turned down, get a copy of your credit report from either Experian or Equifax.
#14
Go and get the Experian free trial, you can then see all the details people have on you

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