Sub Prime Credit Thread Part II

kaisersoze_2

makes_cents wrote: »

Empire are out of business now aren't they?

Arent Empire owned by the same company that owns Littlewoods and Great Universal etc.....? I think they are still going

sutton111

kaisersoze wrote: »

Arent Empire owned by the same company that owns Littlewoods and Great Universal etc.....? I think they are still going

Yes Shop Direct Group purchased them.
So they are in the same group as Littlewoods, Kays, Great universal Etc.

cifpower

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.

You could try a catalogue from the JD Williams range - limits normally start at £125

cifpower

Have we all stuffed ourselves with pancakes?

sutton111

No, I'm not having that many trying to watch my weight.

Why do lenders' seem to up-date Equifax more than Experian, but lenders search Experian more. Ludicrous IMO.

seeya23

good evening to all

cifpower

sutton111 wrote: »

No, I'm not having that many trying to watch my weight.

Why do lenders' seem to up-date Equifax more than Experian, but lenders search Experian more. Ludicrous IMO.

I have had both update their monthly data on time.

sutton111

Yes they do update, but it seems Equifax gets updated soon. My Barclays current account for example, it's updated on Equifax for this month but still hasn't on Experian and there has been no update since 4/1/09.

cifpower

sutton111 wrote: »

Yes they do update, but it seems Equifax gets updated soon. My Barclays current account for example, it's updated on Equifax for this month but still hasn't on Experian and there has been no update since 4/1/09.

Nearly all of mine are update on the 1st of the month with Experian - the same time as Equifax. Maybe it does take a few days longer because with more accounts to hold data on they have more information to deal with.

Tef

Hi all, seems like a friendly forum you have here so thought I'd seek your wisdom.

Ok have been declined a few times in the last year from First Direct, RBS and most recently MBNA for a cc. After being declined from First Direct I took out a subscription to Creditexpert and checked my file score = 653 and nothing bad. Just not on electoral roll. Hmm ok fixed that and a few months later score now 947 so applied with RBS and was rejected. Thinking it was them being a little harsh in the current climate I applied with MBNA and 14 days later have still heard nothing. Presuming the worse.. I am a little fed up. I have a lloyds tsb current a/c with debit card am in full time employment with tax credit,s average thp is £1800 p.m. I have paid provident loans off promptly for over three years, have a t-mobile contract phone in excess of 18 months great payment record etc and DD with Sky.. plus BT landline in excess of 24 months.

Any hints, guidance as to where I'm going wrong here? And should I now try sub-prime? :mad:

Regards
Tef