Sub Prime Credit Thread Part II

Innocent_Guy

sutton111 wrote: »

Just wondered. I'm off too, see you later.

See you later pal

Nomoredebtnow

sutton111 wrote: »

I am praying. I thought they would beat Villa, but they just rolled over :rolleyes: , I bet any money Villa will play well against United and we'll win just.

You don't want Liverpool to win the league do you? Surely not!!!

1/ Manu 2/ Chelsea 3/ Liverpool

cifpower

And I'm back. What a night! Snow Patrol were fabulous! They really gave the home crowd a show. When they sang Run and Chasing Cars the response was amazing! The applause and stomping of feet went on for at least 10 minutes. Gary looked genuinely touched by the emotion coming from the crowd.

All in all, the best concert I have been to.

Cash_Flow

Innocent_Guy wrote: »

I'm thinking about applying for finanace with HFC but think I have too many searches...... I do have a Vanquis card with a nil balace tho ( APR throught the roof! ) And my OH Barclaycard to my disposal.......

I don't believe HFC will be to concerned by you previous searches, Whats more important is that you have kept upto date with your existing lines of credit.

Based on my previous experience with HFC & Benifical Finance a loan application is normally granted on the basis of affordability as apposed to credit score.

Word of warning though watch out for the APR it stinks:EasterBun

Ps if you are consolidating debts they will give you cheques to pay your creditors, as apposed to funds in your bank account.

Happy Days

Nomoredebtnow

Cash_Flow wrote: »

I don't believe HFC will be to concerned by you previous searches, Whats more important is that you have kept upto date with your existing lines of credit.

Based on my previous experience with HFC & Benifical Finance a loan application is normally granted on the basis of affordability as apposed to credit score.

Word of warning though watch out for the APR it stinks:EasterBun

Ps if you are consolidating debts they will give you cheques to pay your creditors, as apposed to funds in your bank account.

Happy Days

l think so , even my bad credit history still accepted. l think you will fine.

sutton111

Good Evening Everybody.

Anyone applied or appealed anything recently?

cifpower

sutton111 wrote: »

Good Evening Everybody.

Anyone applied or appealed anything recently?

I applied for a Tesco CC last week but was declined. An appeal letter was sent yesterday. I also applied for the Flybe card again and the CIFAS flag was removed from my previous address. Very odd.

sutton111

cifpower wrote: »

I applied for a Tesco CC last week but was declined. An appeal letter was sent yesterday. I also applied for the Flybe card again and the CIFAS flag was removed from my previous address. Very odd.

That's very odd indeed.

When did you appeal the Flybe and when did the CIFAS flag disappear?

cifpower

sutton111 wrote: »

That's very odd indeed.

When did you appeal the Flybe and when did the CIFAS flag disappear?

I haven't appealed - I only applied yesterday. Got an alert from Equifax this afternoon saying I was searched twice (Creation Finance and Sygma UK) and that the CIFAS flag had been deleted; I presume by them.

sutton111

cifpower wrote: »

I haven't appealed - I only applied yesterday. Got an alert from Equifax this afternoon saying I was searched twice (Creation Finance and Sygma UK) and that the CIFAS flag had been deleted; I presume by them.

Yes I suppose so, unless they have decided that they don't want it to be visible anymore. That's lively in terms it didn't take it long for it being removed considering it was you only applied yesterday!

Interesting because you applied the CIFAS flag before and they said it would be removed and you reapplied and it disappeared.