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Sub Prime Credit Thread Part II

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Comments

  • System
    System Posts: 178,347 Community Admin
    10,000 Posts Photogenic Name Dropper
    I applied and got a NO. appealed and got another NO. My credit file is blank other than 3 live accounts and 10 searches.... never offered me jack! lol

    Any idea how to get one?

    It may be the ten searches that's affecting your applications. Cool it for a while and you may have more success.

    Are you on the electoral role?

    Have you tried any of the sub-prime offerings? (i.e. cards listed in post #1)

    Regards
    UNDERGROUND :D
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Hey sutton

    It's worth writing to the company that placed the default and ask them to remove it.

    I had a default issued by Shop Direct Financial Services (for a Choice catalogue) removed just by writing one letter!

    It's definitely worth a go, they can only say no - and if they say yes it's a brilliant credit file boost.

    Regards
    UNDERGROUND :D

    P.S. Take a look at THIS website, I'm not recommending it or saying it works but it's another avenue to look at.

    Thanks for that UNDERGROUND. They said they will mark it as satisfield, but I want it to disappear.
  • kiora
    kiora Posts: 600 Forumite
    Part of the Furniture Combo Breaker
    Hi
    Have only used it a couple of times so might go blitz it and see if they do up my limit.:T
    "In Italy for thirty years under the Borgias they had warfare, terror, murder and bloodshed but they produced Michelangelo, Leonardo da Vinci and the Renaissance.
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Hi thanks for reply and sorry for delay in responding. I opened JD and got £125 limit, opened Jacamo and got same but limit firmly at 0 now never changed back to the original £125? Would I have to order goods in order to get the credit limit account back?

    JD Williams did this to me. I applied and they said i could have £125 later that evening it disappeared :mad:. When i checked in the morning it was back at £125 :j and i have had various increases since.
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    kiora wrote: »
    Hi
    Have only used it a couple of times so might go blitz it and see if they do up my limit.:T
    Yea. Buy some 90s CDs. That will impress your Daughter. :rotfl:

    Every month they have increased mine by at least £100. It was increased by £175 this month just from me buying a PS3 Blu Ray Remote. :D
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    My Studio catalogue do holidays! My limit isn't enough to cover though.
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    PROLIANT wrote: »
    My Studio catalogue do holidays! My limit isn't enough to cover though.


    Petty!!!

    Can you go to the US?
  • londonuk2008
    londonuk2008 Posts: 1,101 Forumite
    PROLIANT wrote: »
    My Studio catalogue do holidays! My limit isn't enough to cover though.

    HOLIDAYS!! never seen that.....:beer:
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    Na, "werall gannin to blackpool!"
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • londonuk2008
    londonuk2008 Posts: 1,101 Forumite
    love to go there , havent been for years - not easy to get to from London.
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