Sub Prime Credit Thread Part II

sutton111

Kiora, I can't remember, did you have any un-satisfied defaults?

I really hope you get the card.

Sammy_Girl

PROLIANT wrote: »

I am not sure how that would impact on your score, to some lenders it may look like you are being pro-active in managing your credit, to others it may look like you are limiting your exposure to debt.
I would say a couple of settled accounts could only help you tbh.

Thanks. I think I will keep it until June so I have 12 green zeros And then I will review all my cards and the ones with the highest APRs will go.

PROLIANT

kiora wrote: »

Mr P applied on the BOI site direct funny thing is just checked equifax and they did a credit search yesterday

Did they check Experian?

cifpower

kiora wrote: »

Mr P applied on the BOI site direct funny thing is just checked equifax and they did a credit search yesterday

I actually had a conversation with BOI today as I opened a basic account with them. They wanted me to apply for their Moneyback card and I asked about the application process. If you apply online they credit check you and if accepted send out the agreement to sign. If I was to do it in branch I would have filled in the paper form they would send off and then credit check me.

I declined their invitation to apply.

PROLIANT

I wonder if they only check Equifax, this could be a good thing.

kiora

Just checked no only equifax strange that

cifpower

BOI only check Equifax for credit cards

kiora

Thanks Cif have you got an account with them

PROLIANT

Oops, I have just hit the apply button - watch this space.

cifpower

kiora wrote: »

Thanks Cif have you got an account with them

Only a basic current account (which I will use as a parachute account if needs must) for which they performed no credit check of any kind