Sub Prime Credit Thread Part II

Sammy_Girl

sutton111 wrote: »

No Louiser I'm not. I can't believe how you managed to get all of those three cards with un-satisfied defaults.

Sutton, you have to be on the electoral roll - that makes a huuuuuuuuuuge difference!!!! Get on there quick!!

Also the satisfied defaults will make a difference. FWIW if you defaulted in March 2007 and you cleared the debt in May 2008 (like me ), when they update your credit file it will actually say that you settled in March 2007, so it looks like you settled it earlier than you did. Don't forget my defaults are for like £4k each which is a big sum and I can get credit. So there is light at the end of the tunnel. At the mo I have:

Cap 1 - £1600 limit
Vanquis - £750 limit
Flybe - £1000 limit
Halifax Classic - £1900 limit
MBNA - £3100 limit
Amex - £3100 limit
Next - £600 limit
Littlewoods - £800 limit

GeenyWeeny

sutton111 wrote: »

Don't blame you, I love dogs . We have two cocker spaniels they a mad.

ooohhh, we're considering a cocker spaniel, but have read they are incredibly energetic - we're looking for a dog we can walk off lead, and they wont go chasing a scent or an animal - do they conform to that?

sutton111

I can get Littlewoods, I have 3 Littlewoods accounts £600 x2 and a £250 limit with Littlewoods direct. I have Jacamo with a £500 limit. T-mobile contract.

I can't get a credit card or a bank account with an OD.

sutton111

Geenyweeny wrote: »

ooohhh, we're considering a cocker spaniel, but have read they are incredibly energetic - we're looking for a dog we can walk off lead, and they wont go chasing a scent or an animal - do they conform to that?

Yes they are energetic but they make wonderful company as they are so funny, they have great personalities.

sutton111

Where is Darcy? He is like the scarlet pimpernel!!

Sammy_Girl

Sutton, why aren't you on the electoral roll? I'm 99% sure that's why you can't get a cc. Are your family on the roll at your house?

sutton111

Sammy_Girl wrote: »

Sutton, why aren't you on the electoral roll? I'm 99% sure that's why you can't get a cc. Are your family on the roll at your house?

No they aren't, I'm not on the Electoral Roll because we have just moved.

The weird thing is Sammy, my Brother, Mum and Dad all have Vanquis cards, bank accounts with OD, but there credit is no better than mine.

Sammy_Girl

sutton111 wrote: »

No they aren't, I'm not on the Electoral Roll because we have just moved.

The weird thing is Sammy, my Brother, Mum and Dad all have Vanquis cards, bank accounts with OD, but there credit is no better than mine.

That is weird - cos with your defaults that shouldn't be a major problem because they're not huge amounts

Lenders work in mysterious ways..............:o

sutton111

Sammy_Girl wrote: »

That is weird - cos with your defaults that shouldn't be a major problem because they're not huge amounts

Lenders work in mysterious ways..............:o

I know, I'm totally at a lose. I have 24 searches with Experian, 18 with Equifax. I have 13 accounts including 2 defaults on Experian. 0 Aliases, 0 Public records 0 Gain 0 CIFAS.

UncleSimit

sutton111 wrote: »

I know, I'm totally at a lose. I have 24 searches with Experian, 18 with Equifax. I have 13 accounts including 2 defaults on Experian. 0 Aliases, 0 Public records 0 Gain 0 CIFAS.

Do aliases make a difference? As I have a few due to companies spelling my name wrong in the past