Credit Checks

[PAULJ5555]

I'm having a credit check done for a car that I know will pass but (dont ask why) I want it to fail, How can I make sure it does with the questions I awnser.

[Monkeylegend]

PAULJ5555 said:

I'm having a credit check done for a car that I know will pass but (dont ask why) I want it to fail, How can I make sure it does with the questions I awnser.

Why?

[twing]

Just make it so they can't find you, wrong address, wrong date of birth. Not sure why you'd want to though.

ETA - they're going to ask for your D/L so they'll rumble you in the end

[onesickpuppy]

twing said:

Just make it so they can't find you, wrong address, wrong date of birth. Not sure why you'd want to though.

That could flag a fraud alert though, be careful.

[mr_tony]

Why want it to fail?
If it fails then it stays on your credit file and will cause you to score lower and possibly fail to get credit next time you actually need it.

If you don't want the car just tell the dealer you changed your mind.

[PAULJ5555]

Good points on the fraud alert and it giving me a poor score in the future.

[twing]

Why poor score? Fictitious address, wrong date of birth. Won't show up on your report because it's not you and who are you defrauding? I'd love to know why you're doing it. As previously stated if you don't want the car any more just tell them. Or is it that you only get the deposit back if you fail finance?

[PAULJ5555]

twing said:

Why poor score? Fictitious address, wrong date of birth. Won't show up on your report because it's not you and who are you defrauding? I'd love to know why you're doing it. As previously stated if you don't want the car any more just tell them. Or is it that you only get the deposit back if you fail finance?

I promised a friend that I would credit a cheap car for him and he pay me back cash out of his pay. He's a good mate and I trust him but it just seems more hassle than its worth so I thought it would be easier if I fail the check than tell him no.

[twing]

That's an accommodation deal and not allowed bud, just bin the idea and tell your friend you can't do it. You're right it's way too much hassle.

[BoRED S2upid]

PAULJ5555 said:

twing said:

Why poor score? Fictitious address, wrong date of birth. Won't show up on your report because it's not you and who are you defrauding? I'd love to know why you're doing it. As previously stated if you don't want the car any more just tell them. Or is it that you only get the deposit back if you fail finance?

I promised a friend that I would credit a cheap car for him and he pay me back cash out of his pay. He's a good mate and I trust him but it just seems more hassle than its worth so I thought it would be easier if I fail the check than tell him no.

Don't do this. If he's a good mate he will understand. If it's a cheap car can you not lend him the money or half the money to help him out?

[P-Jay]

Yeah, just say no OP.

Trying to fail will get you a CIFAS marker very quickly - unless you use completely bogus details.

'Fronting' isn't an issue per-se, but YOU are liable for it, there's no crying to the bank because best mate is ducking you - take it from me, people are refused credit because either they can't afford it, or have proven that they're not reliable, excuses are like aholes...

[PAULJ5555]

P-Jay said:

Yeah, just say no OP.

Trying to fail will get you a CIFAS marker very quickly - unless you use completely bogus details.

'Fronting' isn't an issue per-se, but YOU are liable for it, there's no crying to the bank because best mate is ducking you - take it from me, people are refused credit because either they can't afford it, or have proven that they're not reliable, excuses are like aholes...

I know I'm too kind for my own good, I will just tell him no as it will show as more credit on my good record and at some point they will say no when I want somthing for myself as I have maxed it all out. He will be cool about it.

Edited by PAULJ5555 on Friday 30th May 17:02

[n_const]

twing said:

That's an accommodation deal and not allowed bud just bin the idea and tell your friend you can't do it. You're right it's way too much hassle.

This. Sounds like too much hassle.