Sub Prime Credit Thread Part II

cifpower

claire6hy wrote: »

am just a bit impatient
thinking of closing the vanquis acount, pure rip off... but ive only had it 4 months... will closing it so quickly look bad??

I would keep it open for a year even though you are not using it - you will still get the green zeroes on your file

claire6hy

cifpower wrote: »

I would keep it open for a year even though you are not using it - you will still get the green zeroes on your file

coool
i was going to scan my credit reports on the computer... if i did would anyone have a peek at them for me n tell me if they are good or bad?
xx

jopwo_87

Wondering if anyone could help. I applied for an Aqua card about a week ago and got the "we need to do some more checks" message. This morning i received a letter saying they needed some more information so can i ring them which i did. The guy checked my address history out and said he needed proof of my address so to send credit card statement or something to them which iv done. Does this mean iv been accepted or not? Also, what is the initial credit limit on it? Thanks

Innocent_Guy

mumofboys wrote: »

Back again. Received the CCA and a welcome and accepted letter for Cap1 last week, so feeling like this might actually happen!!! The letter said I should receive the card in 7-10 days. It didn't say anything about limit though, but I am expecting it to be low to begin with which is just fine, as it will do the job I want it to.

Thanks for listening, and I hope everyone is well.

MOB

Well Done MOB!

There is light at the end of the tunnel....

What nasties do you have?

Innocent_Guy

jopwo_87 wrote: »

Wondering if anyone could help. I applied for an Aqua card about a week ago and got the "we need to do some more checks" message. This morning i received a letter saying they needed some more information so can i ring them which i did. The guy checked my address history out and said he needed proof of my address so to send credit card statement or something to them which iv done. Does this mean iv been accepted or not? Also, what is the initial credit limit on it? Thanks

Hi There,

It is likely that you have been accepted as they would just send you a decline letter otherwise. My OH started on £750 but I have seen people start @ £250 it all depends.

Aqua a very good at giving increases aswell

Innocent_Guy

BTW - Today I have removed my Notice Of Correction as this is doing me more harm than good. I have also advised Experian to removed the incorrect address links AGAIN

mumofboys_2

Innocent_Guy wrote: »

Well Done MOB!

There is light at the end of the tunnel....

What nasties do you have?

Hi Innocent, yes, beginning to feel that light might be there. I have yet to brave the stark truth of my files, but I know I have at least 2 CCJs. I wonder if because they are not financial products it makes a difference? Who knows - as a new starter to this game - a little late admittedly - I really can't comment.

Your support is much appreciated. I just want to get myself into a house buying position at some stage. Long haul, but start small.

MOB

sutton111

clio wrote: »

has sutton commited harry carry!! . That scouser result probably sent him and the rest of the ure fans over the edge lol \0/:D

I'm smarting Clio :mad:.

I'm panicking Clio that they may win the Title for the first time in 19 years :eek: and I can't handle it. Lol

cifpower

Off to see Snow Patrol tonight. Yay!

char22

hi all

does anybody knnow how often next raise credit limits?

many thanks