How can I get a record of my files?.. I have been denied credit for a credit card.

-- Nabi Arshad (nabi@dircon.co.uk), July 29, 1999

Answers

Send a #2 cheque to Experian or Equifax and request a copy of your credit file and tell them where you have been living for the past 3 years. You can obtain their addresses in the yellow pages etc.

-- Mr Middleton (midd@midd666.freeserve.co.uk), September 06, 1999.

This was in a national newspaper a few years ago sent by a sacked employee (uk) confimed as true by bank. For information only on how system works. not to be used in anything which may not be strictly within the law.

Barclay Card Credit Scoring

If you want a loan, but keep getting turned down, why not lie? It goes on all the time, and it's a great way of getting revenge on the banks! The details here apply to Bardaycard. But apply in general terms to other banking organisations as well.

When you apply for any loan, you fill out an application form. The details on this form are "scored". Some guestions have a score attached to the answer. These answers and scores are detailed here. Other questions are irrelevant!

Notice the importance of claiming you have a home telephone. It is never checked! CCJs (county court judgeinents) are checked. A search is done on your home address. NOT YOUR NAME! If your address has CCJs against it, you may find problems

Computer contractors should nQtice that claiming to be the managing director of your own private firm is not going to help you get a loan. Better to be a senior manager working for the government.

If you need a large loan, try for two smaller ones, rather than one big one. Residence Status Owner 9 Tenant 3 Parents etc 0 Unspecified 3 Loan Amount o - 500 30 501 - 1000 26 1001 - 15Qa 22 1501 - 2500 16 2501 - 7500 0 7501 - 9999 -20 Unspecified 0 Business source Building Society 43 or 33 varying Time with employer Less than 8 years 14 8 - 15.5 18 Over 16 26 Unspecified 14 Home phone? Yes 21 CCJs 0 22 1 -21 2 -41 3 -62 Occupation Unknown 11 Director 11 Snr manager 31 Jnr manager 22 Skilled 19 Unskilled 14 Military 31 Semi-skilled 16 Age Clerical Unemployed

Under 24 24 - 28 29 - 32 33 - 35 36 - 42 43 - 45 46 - 49 SO - 54 Over 55 Unspecified 22 11

10 26 34 39 40 42 50 53 56 32 Employer

Time with bank

Government Private business Self Employed Part time Military Unemployed Unknown

Less than lyr 6mths lyr 7mth - 4yr 6mth 4yr 7mth - 6yr 6mth 6yr 7mth - loyr 6mth loyr 7mth - iSyr 6mth Over lSyr 7mth No bank account Unspecified 27 18 10 19 18 27 20

0 8 30 34 36 40 0 20 Bank Account Current 15 Deposit & Savings 4 Deposit only 4 Savings only 4 No response 2 Cards Held Barolaycard 14 Visa 14 Access 14 Reason for loan Debt consolidation 0 All others 20

Cut-of fs

Score 224 & above, Accept 202 - 223, Refer 201 & below, Decline

Example: Home owner 9 Borrowing 500 30 For new car 20 With employer for 5 years 14 Own phone 21 computer analyst 22 25 years old 26 Working for private firm 18 With bank for 2 years 8 current account 15 No cards or CCJs 22 Total 205 (Oh no, a referal. That's manager's discretion)

Try some creative accounting.

Time with bank 4 years 8 months Add 22 to score, new Total 227, ACCEPTI

-- anon (none-exist@test.com), September 02, 2000.

Hi

Somebody was asking about info on barclays credit scoring and where the old question was. It's listed in the comments here.

Joanne

-- Joanne (chrisbrad@zoom.co.uk), November 19, 2000.

In regards to the Barclays/Barclaycard scoring information below, can someone tell me what newspaper it appeared in and when?

Thanks.

Regards, Ade.

-- Junk Mail (junk@puffin.org), January 05, 2001.

As far as I know, this information has never been published in a newspaper.

Lee

-- Lee (repossession@bigfoot.com), January 09, 2001.

I remember the article. As far as memory serves me it was the News of the World and at least 4-5 years ago. Also, I recall a follow up with banks denying that this is how it is done.

-- Matt (Mattyc@ntlworld.com), January 09, 2001.