Sub Prime Credit Thread Part II

fairmorn308

am bored silly dont no what to do

fairmorn308

trying my hardest to save money and be careful spending but still dont have a clue where i will get the money to pay marches bills

seeya23

good day to all
got my new phone now it s the bizz s

seeya23

htc touch hd it a very nice phone

Thejagman

Heres a question for you all. I was discharged September 2008 from bankruptcy, managed to get £2600.00 finance for a car from a proper finance house APR a bit steep but nothing like Welcome or the other sharks out there. Cooperative bank cashminder all good on the credit file,orange mobile account all good,new account for mobile broadband passed credit check OK . Vanquis application on line declined in 10 seconds flat. They cant have seen the good bits of the creit file. all I want is £250.00 limit to get my score up again. Any ideas??

sutton111

Thejagman wrote: »

Heres a question for you all. I was discharged September 2008 from bankruptcy, managed to get £2600.00 finance for a car from a proper finance house APR a bit steep but nothing like Welcome or the other sharks out there. Cooperative bank cashminder all good on the credit file,orange mobile account all good,new account for mobile broadband passed credit check OK . Vanquis application on line declined in 10 seconds flat. They cant have seen the good bits of the creit file. all I want is £250.00 limit to get my score up again. Any ideas??

Vanquis declined me and i only have two defaults.

seeya23

Originally Posted by Thejagman
Heres a question for you all. I was discharged September 2008 from bankruptcy, managed to get £2600.00 finance for a car from a proper finance house APR a bit steep but nothing like Welcome or the other sharks out there. Cooperative bank cashminder all good on the credit file,orange mobile account all good,new account for mobile broadband passed credit check OK . Vanquis application on line declined in 10 seconds flat. They cant have seen the good bits of the creit file. all I want is £250.00 limit to get my score up again. Any ideas??

sutton111 wrote: »

Vanquis declined me and i only have two defaults.

and they decline me too

cifpower

Thejagman wrote: »

Heres a question for you all. I was discharged September 2008 from bankruptcy, managed to get £2600.00 finance for a car from a proper finance house APR a bit steep but nothing like Welcome or the other sharks out there. Cooperative bank cashminder all good on the credit file,orange mobile account all good,new account for mobile broadband passed credit check OK . Vanquis application on line declined in 10 seconds flat. They cant have seen the good bits of the creit file. all I want is £250.00 limit to get my score up again. Any ideas??

Appeal with 3 months of bank statements and highlight the good aspects of your Experian file

cifpower

I opened a parachute account with Bank Of Ireland this morning. It is only a basic one with just a cash card but they don't do any credit search so its good to have as a spare.

sutton111

cifpower wrote: »

Appeal with 3 months of bank statements and highlight the good aspects of your Experian file

Thanks, Cif.

I bloody will when i finally get the decline letter.