Sub Prime Credit Thread Part II

cifpower

LusciousLuce wrote: »

Hi all,

This is my first post, but I've been following you for a few days as I'm trying to rebuild my credit history.

I keep getting turned down for credit everywhere I go. I don't actually want any credit, but I can't get a current account (use a savings account) so I have to pay in cash for everything. I've checked my file at Experian and it's blank - no credit history at all, so I guess that's why no-one will touch me. Ridiculous that banks etc just won't see past a low credit score - I have a stable job (been with the same company for 7 years now) and I live in rented accomodation, but the same place for over 3yrs now & one of the reasons I want to rebuild my credit history is so that I can get a mortgage.

It's so frustrating that nobody will trust me - I'm 35, I have a good job & a regular salary, I'm on the electoral register, I have no adverse credit, and yet Alliance & Leicester have turned down my current account application, Capital One & Aqua have turned down my credit card applications (waiting to hear from Vanquis but not hopeful), Debenhams have turned down my store card application - absolutely nobody wants me!!! Aaargh :mad: !!!

Nice to meet you all, anyway!

For a good basic bank account apply in branch for the Barclays Cash Account with which you get a Visa debit card. As for building up your credit I would start with a catalogue company like Jacamo They will start you with a small limit of around £125 but this soon rises and you can begin to get green ticks built up on your file.

Hope That helps.
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sutton111

fairmorn308 wrote: »

hiya guys

hows you sutton?

Does anyone know much about CDL Career Development loans?

I have had a quick look etc and just wanted to know if i would get accepted with around 14k debt?

I'm fine thanks Fairmon, How are you? I haven't seen you on here recently.

I've never heard of CDL I'm afraid.

Innocent_Guy

sutton111 wrote: »

What did Lee say then Josh?

* He has requested the additional £8 for the SAR - but he is proeccessing it in the meanwhile.
* He is removing the incorrect linked addresses from Orange
* He notices that I am a member of credit expert ( blah blah )
* He will ensure my identity theft problems are sorted out
* Any enquiries I have please contact him on his direct line / email address.


That is a summay of a two page letter but hopefully things are looking up!
I will also make sure that a copy the whole letter onto the SAR thread!

How you doing mate?

fairmorn308

not had much time to come on tho as OH only has 2 weeks left before the wee man arrives into this world so helping her out alot etc.

There is a course i want to do which will help me with my career but its only £580 but rather use a CDL which allows u to only start paying once course complete.

Innocent_Guy

fairmorn308 wrote: »

not had much time to come on tho as OH only has 2 weeks left before the wee man arrives into this world so helping her out alot etc.

There is a course i want to do which will help me with my career but its only £580 but rather use a CDL which allows u to only start paying once course complete.

Hi mate,

DO you have a graduate account?

sutton111

Innocent_Guy wrote: »

* He has requested the additional £8 for the SAR - but he is proeccessing it in the meanwhile.
* He is removing the incorrect linked addresses from Orange
* He notices that I am a member of credit expert ( blah blah )
* He will ensure my identity theft problems are sorted out
* Any enquiries I have please contact him on his direct line / email address.


That is a summay of a two page letter but hopefully things are looking up!
I will also make sure that a copy the whole letter onto the SAR thread!

How you doing mate?

I'm fine thanks. How are you?

What his Direct number?

When you putting the letter up tonight, sorry for inpatients lol, but I would like to see it, it's extremely interesting.

Innocent_Guy

sutton111 wrote: »

I'm fine thanks. How are you?

What his Direct number?

When you putting the letter up tonight, sorry for inpatients lol, but I would like to see it, it's extremely interesting.

I'm knakered!

I may put it up tonight but worse ways I will do it tommorow.

Do you know anything about applying for a laptop on finance with Currys?

I have requested my NOC is removed so may apply for jamaco / Jd williams ( not sure what one is better / easier )

sutton111

Innocent_Guy wrote: »

I'm knakered!

I may put it up tonight but worse ways I will do it tommorow.

Do you know anything about applying for a laptop on finance with Currys?

I have requested my NOC is removed so may apply for jamaco / Jd williams ( not sure what one is better / easier )

I would advise you to give it a go, it can't do no harm. I do know people who have been accepted for Currys and they have good credit though.

Innocent_Guy

sutton111 wrote: »

I would advise you to give it a go, it can't do no harm. I do know people who have been accepted for Currys and they have good credit though.

I'm going to go for it once I have found one I want.
I'll do the JD / Jamco at the same time.

sutton111

Innocent_Guy wrote: »

I'm going to go for it once I have found one I want.
I'll do the JD / Jamco at the same time.

Jacamo are okay, but Shop Direct Group sell better stuff, have you tried Littlewoods or Great Universal?

If you do try requesting a catalogue first it will pre-authorise an amount first.