We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

The Sub Prime Credit Thread - Part IV

1…166167169171172…866

Comments

  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    sutton111 wrote: »
    I did reply to you on the previous page NID!

    I know matey - thanked you as well.... lol (don't want another telling off)!!

    It was fun watching brian and BB flirt all night, i betcha they have a baby already! :rotfl::rotfl:
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    never-in-doubt wrote: »
    I know matey - thanked you as well.... lol (don't want another telling off)!!

    It was fun watching brian and BB flirt all night, i betcha they have a baby already! :rotfl::rotfl:

    I know it was funny! lol


    Yea i'd tell you off for not thanking me:rotfl:
  • Zack1
    Zack1 Posts: 1,433 Forumite
    sutton111 wrote: »
    Have you used it? The Jacamo account, that is!! :p
    Haha, yea I brought some jeans on there (cheap too!) haven't used it since though, I get endless crap from them though, and I don't think it's possible to stop their marketing so I might just block their email address until I buy something again :rotfl:
  • ElkyElky
    ElkyElky Posts: 2,459 Forumite
    I bought a £150 bracelet yesterday, when I could have used that money to put towards a card. :(
    We’ve had to remove your signature. Please check the Forum Rules if you’re unsure why it’s been removed and, if still unsure, email forumteam@moneysavingexpert.com
  • Zack1
    Zack1 Posts: 1,433 Forumite
    ElkyElky wrote: »
    I bought a £150 bracelet yesterday, when I could have used that money to put towards a card. :(
    Oh dear! :( Is there any way you can return the bracelet? Or did you buy it in person? If you buy it online I'm sure you're allowed to send it back under distance selling etc...
  • RICK..._2
    RICK..._2 Posts: 469 Forumite
    I'm getting annoyed - credit score last month was 499 now it's gone down to 492 and I haven't even applied for anything and all my accounts are up to date :mad:

    Also I can't log into my Jdwilliams or Jacamo accounts, going to ring them to find out why.
    This thread has me so pumped, I headbutted my dog and we both screamed.
  • cifpower
    cifpower Posts: 6,502 Forumite
    Why are you paying for credit scores? Absolute waste of money
  • Zack1
    Zack1 Posts: 1,433 Forumite
    RICK... wrote: »
    I'm getting annoyed - credit score last month was 499 now it's gone down to 492 and I haven't even applied for anything and all my accounts are up to date :mad:

    Also I can't log into my Jdwilliams or Jacamo accounts, going to ring them to find out why.
    As cifpower says, if you're paying it's a complete waste of money, the scores are basically made up (probably why it's got "worse"!). I'll give you your credit score for next month.... 555.......

    If you really want to check properly just get a copy of the report (£2 or a free trial, don't stay signed up for any of the paid stuff) and look through it - on time payments is obviously good, how much credit do you have available, how much are you using - too high or low is bad, BUT (and this is why scores are a waste of money) nobody can say what's good or bad, because each company has a different criteria, e.g. 40% used might be bad to one company but fine to another :)
  • RICK..._2
    RICK..._2 Posts: 469 Forumite
    Just like to see if it's improving or not tbh, I don't actually think it is worth me paying for right now. Got four defaults that are due to drop off later this year, so may aswell wait until then I suppose!

    It just gets addictive, like a game, waiting for my score to go up lol - except it doesnt!!! haha
    This thread has me so pumped, I headbutted my dog and we both screamed.
  • Zack1
    Zack1 Posts: 1,433 Forumite
    RICK... wrote: »
    Just like to see if it's improving or not tbh, I don't actually think it is worth me paying for right now. Got four defaults that are due to drop off later this year, so may aswell wait until then I suppose!

    It just gets addictive, like a game, waiting for my score to go up lol - except it doesnt!!! haha
    See my post above (http://forums.moneysavingexpert.com/showpost.html?p=28966681&postcount=1690)... your score could be 999/999, it doesn't mean anything at all, that's just how Experian or whatever rip off merchant it is rate you, that's not how Argos or Next rate you, so wanting to see it go up won't make a difference.

    If you have 4 defaults then that's going to stop a lot of apps anyway, so wait for them to drop off and you'll be in a much better position
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.2K Banking & Borrowing
  • 253.6K Reduce Debt & Boost Income
  • 454.3K Spending & Discounts
  • 245.2K Work, Benefits & Business
  • 600.9K Mortgages, Homes & Bills
  • 177.5K Life & Family
  • 259K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture