National Hunter - Page 1/6

Subject: National Hunter
Replies: 41 Views: 2445

dan27notts 3.01.18 - 10:55pm
Wakeup4 is probably going to love this so put on your tinfoil hats people but honestly its actually shocked me what ive discovered.
Anyway applying for a mortgage so doing alot of background research before i apply, then i come across National Hunter 'the secret reference agency' that can basically refuse you being accepted for credit just because they think you're 'a bit dodgy'
National Hunter is owned by the banks and building societies and is run by Experian and their 'head office' can only be traced by some PO Box address to some run down office in Stoke
Bear with me people.... * +

dan27notts 3.01.18 - 11:00pm
Suspect or inconsistent facts, which may cause applications to be flagged as fraud risks, can include:

Change of employer over a short period;

Differences in spelling of a surname, initial, or date of birth;

Change in driving licence number or a variation in other identification documentation;

The same mobile phone number from more than one applicant;

A substantial change in stated salary over a short period;

Income which is difficult or impossible to verify;

Applicants using details that are apparently from a deceased person * +

dan27notts 3.01.18 - 11:02pm
But while the system weeds out many possibly fraudulent applications, legitimate applicants could fall foul of a check for innocent reasons - you might have had a big salary increase, or simply handed over an old mobile to a member of your family. According to a recent National Hunter presentation, to be inconsistent there has to be a clear discrepancy between information provided by the consumer and information found, or not able to be found or verified elsewhere.

So the information you provide could be true, but it will be treated as potentially fraudulent if National Hunter cannot find enough information to check what you say. But if you question the rejection, banks will generally send a standard letter pointing you to one or more of the three credit agencies. * +

eyesore 3.01.18 - 11:05pm
Have you credit checked yourself * +

dan27notts 3.01.18 - 11:08pm

@ eyesore - 3.01.18 - 11:05pm
Have you credit checked yourself

Yes thats fine, this is further down the rabbit hole than a credit check * +

dan27notts 3.01.18 - 11:09pm

[Link]http://www.experian.co.uk/identity-and-fraud/fraud-prevention/hunter.html[/link]

This is experian listing their service and how they obtain data for National Hunter. Take note of 'device intelligence' * +

dan27notts 3.01.18 - 11:15pm
[Link]https://precognitive.io/device-intelligence/[/link]

Thats right when you apply for credit via it by your phone or laptop, computer software is scanning your device to decide if you can have credit or not, and you'd never even know....
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dan27notts 3.01.18 - 11:21pm

@ liambrwn - 3.01.18 - 11:16pm
Another antonymous system and collection of data in regards to common sense and the working population. Im starting to think the benefit bums arent included in these data bases and are better off. And of course, Muslims

Exactly, try and do the right thing in life and computer says no. Well it hasnt said no yet but what if when i apply the software sees i still use prodigits and thinks we're not borrowing money to that freak

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