Sub Prime Credit Thread Part II

c8ndice

Katie789 wrote: »

Hi all
Posted this a few days ago but this thread moves quickly and I didn't get any replies, just wondering is anyone had any thoughts?

I haven't had a limit increase on my Flybe yet, this is my last month of my BT rate.

I was sent BT offers from All Saints and My World though (same company) and chose the All Saints one for the 7.9% LOB. I asked them on the phone if they would increase my limit, and the man did so without hesitation to 30% more.

If you want an increase maybe it is best to ask them. I have checked and they didn't re search my credit file.

londonuk2008

well my 6 months are up in April for the Flybe 0% so see what happens . I never got the offers you did , but I do use the All Saints and My World fairly often . My JJB is now clear and I am going to cancel (even though they increased my limit to £400 from £250 recently).

ThinkingOfLinking

Sorry to post this here but this is the most suitable place I could find:

My credit rating is crap; I am sorting it out with Experian etc.

To build a credit history and improve my score, I was thinking of buying from catalogues on their credit, you know the interest free, pay £2 a week for 32 weeks etc type. I can and will pay it off in full so will not accrue interest but wondered which catalogues take on customers with bad credit files?

londonuk2008

try Littlewoods or Great universal first of all (same company) as when my file was not good they started me off at £300.00 - now its £3200.00 .

ThinkingOfLinking

Thank you...I don't want a lot of credit, just to use it and show responsibility and reliability to help me get a good credit score. Thanks again...any other suggestions also gratefully received.

londonuk2008

good luck and let us know.

seeya23

Afternoon all

young_victor_meldrew

Flickering_Ember wrote: »

Thank you...I don't want a lot of credit, just to use it and show responsibility and reliability to help me get a good credit score. Thanks again...any other suggestions also gratefully received.

A very small provident or Real Finance loan paid off on time is also a good way of showing reliability, these loans are very expensive and last resort if you cant get anything else, but they put you on the road to good credit.

makes_cents

sutton111 wrote: »

I have three with Littlewoods. Littlewoods Direct, Littlewoods and Empire Stores. Not had them that long between 2 week for the 1st 6 months and 2 months respectively.:)

Empire are out of business now aren't they?

seeya23

https://realpersonalfinance.co.uk/enquire.aspx
better apr than a provident loan