As I mentioned recently have been checking my credit scores/file. So I've decided to have a look

[Pat Vegas]

at all 3 major companies.

Equifax, Experian, Callcredit.

Now they are all completely different It's a mess. Whilst one gives you a great score another one is average. It's a bit weird really.

I may be possibly looking to buy a house at some point so getting all this **** in order. I have one problem where the balance of an account has not been updated since 2013 as the company has gone out of business. I can't contact them to update my file.

Jesus christ I've become boring.

also if your curious I also fixed my electric shower.

[Norn Iron]

I've just bought a house and had trouble getting a mortgage even though I had a good deposit and wasn't borrowing that much.

Turns out I had hardly any credit history so they were nervous about lending me money. I've now got a credit card and all mortgaged up.

[Witharby 2-3 weeks]

wearing a stocking over their face and carrying a sawn-off

Hope this helps

[ITSUPFORGRABSNOW]

To buy a VHS. I thought never having had one was a good thing at the time.

[Steve Williams - gay for Mark Knopfler]

There will be variances in their data inputs and their recommendations, otherwise there would be no market for all 3 to exist.

Ultimately it comes down to the information within their CUG and how they choose to apply it before making their finding, which is only a recommendation.

One end user may decide that an average rating is good to go, a more cautious end user not.

8-)

[Pat Vegas]

I am sure it's all computers and **** these days.

[Sir Charlie of Nicholas]

This seems counter-intuitive to me.

[Steve Williams - gay for Mark Knopfler]

In terms of risk it is difficult to differentiate between the two.

[Sir Charlie of Nicholas]

I'm still reeling from that one, sw.

[Pat Vegas]

which is the best of one of the 3 rating wise.

[Luis Anaconda]

[Steve Williams - gay for Mark Knopfler]

I have just read again my response to PSPVH and I feel dirty.

[Steve Williams - gay for Mark Knopfler]

The intangible goodwill created by my association with the global data provider in incalculable.

[Pat Vegas]

and you owe everybody money so you have a basic bank card only, They won't give you a overdraft or a cheque book etc.

And then that person wins the lottery. What bank are they taking the funds too.

Or will you have to sit there with your cheque with nowhere to deposit it.

[Sir Charlie of Nicholas]

This is like the first time I heard 'My Ever Changing Moods'.

[Witharby 2-3 weeks]

They moved down to building societies at one point, but they then all became banks too. Post Offices then became de rigueur, but they are all closing.

Sad times for single stocking sellers, Black and white striped jumper makers and specialist hacksaw manufacturers.

[Sir Charlie of Nicholas]

Why risk 35 years in nick for 2 grand?

[Steve Williams - gay for Mark Knopfler]

I am simply a broken man. I shall first lunch on a doner kebab after which I intend to climb the corporate ladder.

[Witharby 2-3 weeks]

All then paid back each month.

Because I have not had a mortgage for many moons and used to pay cash or Debit card I had nothing to measure credit wise.

Spend a lot on credit then pay it back on time and they love you.

I now have a credit rating better than RBS

[Sir Charlie of Nicholas]

1983. What a time that was to be alive!

[Pat Vegas]

through to get in the bank.
One person at time. Standing in this tube they take your fingerprint the door behind closes then the front one enters.

Madness

[Sir Charlie of Nicholas]

I shall borrow one meelyon dollars and f**k off to Rio.

[Witharby 2-3 weeks]

Just think, if you took 2,000 pounds worth of stamps in the 80s you would be a stamp millionaire by now

[Pat Vegas]

Plus it equals out the monies that I spent or my wife has spent.
We are rather modern in this sense. Rather than f**king about how to divide **** up just put it on the one card.

amex love me and I've killed the introductory cash back offer last year.

[Witharby 2-3 weeks]

:-)

[Sir Charlie of Nicholas]

10 bob! 10 bob for a stamp! Utter, utter madness.

[Witharby 2-3 weeks]

The days when you could swap the debt from one to the other without incurring a charge. I had 20k on 7 cards at one point after renovating my house. 15k paid back without a single penny of interest.
I transferred the last 5k to a bank loan when they started to charge for swapping.

Probably saved 3k over that period.

[Steve Williams - gay for Mark Knopfler]

I have only ever had 2 real employers in my life.

3 if I include the really **** one.

[Steve Williams - gay for Mark Knopfler]

Bowling shoes, cravats and Prince of Wales check suits.

[Snin]

[Sir Charlie of Nicholas]

Will your doner have chilli sauce? I'd pay 100 pounds right now for a doner with chilli sauce.

[Peter]

:hehe:

[Steve Williams - gay for Mark Knopfler]

The garlic sauce is the predominant taste sensation.

Served 'open' on a hand made naan, still warm from the cooking to order. It is a true thing of beauty.

Now the meat is possibly ears and arseholes but I care not one jot. It is what it is. If I wanted sauteed foie gras for example I would go to One Pico.

[Steve Williams - gay for Mark Knopfler]

Much longer hair, PWEI t-shirts and generally a scruffy sex weapon.

[Sir Charlie of Nicholas]

Your co-workers may start a petition to have you dismissed.

[Steve Williams - gay for Mark Knopfler]

Some of my colleagues smell all the time.

I keep my head down, my headphones on and there is a very high chance I will not have social discourse with even one of them before I leave.

[Pat Vegas]

[Sir Charlie of Nicholas]

[Sir Charlie of Nicholas]

I have a girl for that sort of thing.

[Ashberto]

You'll be out on the sidewalk with language that color, bubba.

[Steve Williams - gay for Mark Knopfler]

There is no I in team, that's another one.

There is actually an I in my name of course.

[Ashberto]

Forgive my clumsy stereotyping, but I gather that Liverpool are a popular team to follow in the Free State.

[Sir Charlie of Nicholas]

[Ashberto]

[Steve Williams - gay for Mark Knopfler]

I would estimate them to be 3rd in terms of numbers behind United and Celtic, their fans tending to be chaps of at least 30 years of age.

There isn't actually any in here anymore, we had 1-2 very vocal in the past but they have moved on. Very much chaps stuck in the past, any comment or dare I say 'banter' was met with comments about 5 European Cups etc.

The lads I know socially I haven't encountered since last weekend, not even a friendly post game text based joshing.

Ftr my boy is (he believes) the only Arsenal supporter in his entire year at school, certainly in his class of 30.

:-(

[Steve Williams - gay for Mark Knopfler]

Do you have a cheap suit?
Can you lie?

[Sir Charlie of Nicholas]

You may insult away with no fear of causing offence, old chap, until you suggest that I might be the sort to own a cheap suit.

I will ask you to retract that.

Utterly uncalled for.

[Ashberto]

If we ever manage to win a league or two again the support will pick up, I expect. They your boy will be able to say "I supported them when they were ****".

[Steve Williams - gay for Mark Knopfler]

We both sat and watched his interview after which the boy asked me to show him 'that goal' from WHL.

A true parental tear in the eye moment. Off he went then to the garden, "being Liam Brady".

He is **** mind you.

[Steve Williams - gay for Mark Knopfler]

I accept we all have our breaking points.

[Sir Charlie of Nicholas]