Sub Prime Credit Thread Part II

ged1980

Brian1966 wrote: »

Tips are the best part of the job :j Can be really boring at times, sitting on a motorway for hrs, passengers expecting you to know where you are going regardless
That said, done stage carriage work and hated it, stoopping at every lamp post :mad: Some good passengers though

agree m8 but stage work gives me a wage now i like 37 hours a week i know what im doing now

never-in-doubt

ged1980 wrote: »

a few = 1 or 2 people to me m8 under diff nicks but that all trying same thing and why they still here i dont know they give so much abuse to users it needs sorted

what names? go on, spill the beanz mate :beer: they wont be ere long anyway!

never-in-doubt

Doshamento wrote: »

Perhaps i'm being paranoid as I was refused an Express account and Vanquis card - all of which searched Experian. I have had lots of declines with companies searching Ex...So maybe am presuming that my Experian file has something 'dodgy' on it that I cannot see??

On the other hand, I have just recently been successful in getting a catalogue who searched......Equi.:D

In the interim, it still will not hurt sending out these Subject Access Requests etc.....and seeing what comes back?

when this link becomes live (next few days) it will explain everything to you mate and have template letters and info of what agency holds etc..... may be worth waiting a day or two: http://forums.moneysavingexpert.com/showthread.html?t=1554181

jack290292

Morning folks,

Could do with some further advice please.

My credit files are looking good now and with 2 cards 1 with good interest rate and 1 with 0% balance transfer for 12 months I am able to close my Vanquis account.

The things is I still have 3 catalogue accounts that have quite high credit limits. I paid these all off a couple of months ago and wrote to them all saying I wished to close the accounts and asking them to inform the credit reference agencies that the accounts were setteled. They all show zero balance but are still showing as satisfactory rather than setteled.....is there anything I can do to get then to change them to settled otherwise my available credit will remain quite high.

Thanks all;)

PROLIANT

Jack, it can take up to 4 weeks for the lender to post an update the the CRA.
If it is the Shop Direct Group you can pay £5 per account to have an immediate CRA file update.

never-in-doubt

sutton111 wrote:

JD Williams credit increase

Hi mate - I got credit increase last night from £100 to £200....

Kewel...... :beer:

never-in-doubt

jack290292 wrote: »

Morning folks,

Could do with some further advice please.

My credit files are looking good now and with 2 cards 1 with good interest rate and 1 with 0% balance transfer for 12 months I am able to close my Vanquis account.

The things is I still have 3 catalogue accounts that have quite high credit limits. I paid these all off a couple of months ago and wrote to them all saying I wished to close the accounts and asking them to inform the credit reference agencies that the accounts were setteled. They all show zero balance but are still showing as satisfactory rather than setteled.....is there anything I can do to get then to change them to settled otherwise my available credit will remain quite high.

Thanks all;)

Jack, aren;t you 17? Your profile suggests you were born on Sat 29th Feb 1992 (makes you 17 in my book)............

clio

Sneaks in to look for sutton the depressed man ure fan. There will be no Harry Karry in this thread lol...:D

sutton111

clio wrote: »

Sneaks in to look for sutton the depressed man ure fan. There will be no Harry Karry in this thread lol...:D

Depressed, I'm bloody suicidal!! :mad:

1-4 can't believe it, absolutely shocking. Especially Vidic, so unlike him, he has been brilliant this season. Anderson and Carrick were poor as well, but still 4 points clear with a game in hand. I didn't think it was 1-4 game. Don't get me wrong, that mob did deserve to win I think 2-1 would of been better.

P.S Clio, come on Hull. LOL.

clio

Your alive.................................. But for how long hehe;)
never mind matey it's a nightmare innit i know i've been there many times this season.