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.

The MSE Forum Team would like to wish you all a Merry Christmas. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 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!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!

Sub Prime Credit Card Club

12142152172192201034

Comments

  • emmy05
    emmy05 Posts: 2,085 Forumite
    moon1970 wrote: »
    Rang them back and they said that on my credit file it is showing one ccj and one default not satisfied from 2005. I know they are both satisfied but my credit file is saying something else. So I need to sort that out. She did say that once they are shown as satisfied I could reapply again and go for the card with the 100.00 deposit. Glad I phoned back now as I can fix my credit report at least. Thanks.

    at least its a step forward and tells you what to fix, you might get better once youve sorted those out too
  • moon1970
    moon1970 Posts: 46 Forumite
    Thanks that is way I am looking at it. I sort out my credit files and order free copies. Good Luck everyone else.
  • emmy05
    emmy05 Posts: 2,085 Forumite
    do u have any credit cards already moon or not?
  • PAULUK08
    PAULUK08 Posts: 59 Forumite
    I have to call as well..................
  • moon1970
    moon1970 Posts: 46 Forumite
    No I have no credit cards. I have been debt free for 2 years now and have a basic bank account which has been upgarded by Natwest to a current account before it was a step account so I need to sort that out this month. I had really really bad credit in the past but that is all behind me and I am trying to rebuild it. Not easy.
  • emmy05
    emmy05 Posts: 2,085 Forumite
    PAULUK08 wrote: »
    I have to call as well..................



    eeeek 50/50 now, GD LUCK
  • emmy05
    emmy05 Posts: 2,085 Forumite
    moon1970 wrote: »
    No I have no credit cards. I have been debt free for 2 years now and have a basic bank account which has been upgarded by Natwest to a current account before it was a step account so I need to sort that out this month. I had really really bad credit in the past but that is all behind me and I am trying to rebuild it. Not easy.


    have you applied for vanquis or any of the other cards mentioned on the thread, might be worth a try applying


    what sort of things are they asking? lol
  • cifpower
    cifpower Posts: 6,502 Forumite
    Well I called and asked to appeal their refusal - just have to write a letter in. Should I include a pay slip or something?
  • Quote:
    Originally Posted by PAULUK08 viewpost.gif
    I have to call as well..................


    ooh good luck x
  • PAULUK08
    PAULUK08 Posts: 59 Forumite
    nervous like a job interview........................I will report back!
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
  • 352.9K Banking & Borrowing
  • 253.9K Reduce Debt & Boost Income
  • 454.7K Spending & Discounts
  • 246K Work, Benefits & Business
  • 602.1K Mortgages, Homes & Bills
  • 177.8K Life & Family
  • 259.9K 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.