Sub Prime Credit Thread Part II

allthingsconsidered2009

Does anyone know if you can have both Littlewoods and Littlewoods Direct at the same time (as 2 separate accounts)?

hopeless_case_2

i know you people have less than perfect credit files but do you have defaults? I have ten!!!! shocking i know but had terrible trouble with loss of earnings last year and need to try to get back on track. Not sure where to start. Did get credit last year from Carphone Warehouse for a laptop £15 per month and got a Lloyds Tsb basic account dont know what to try next. Any ideas anyone?

sutton111

Yes they can.

give them a go if they say "no" leave it 6 months and don't apply for anything else in those 6 months and try again.

moyilla

cifpower wrote: »

I subscribe to both Experian and Equifax

Do you have a special deal or just pay the standard monthly fee they charge?

sutton111

allthingsconsidered2009 wrote: »

Does anyone know if you can have both Littlewoods and Littlewoods Direct at the same time (as 2 separate accounts)?

Littlewoods, Kays, Choice, Empire, Great Universal, additions are all the same company. they are the Shop Direct Group.

sutton111

hopeless_case wrote: »

i know you people have less than perfect credit files but do you have defaults? I have ten!!!! shocking i know but had terrible trouble with loss of earnings last year and need to try to get back on track. Not sure where to start. Did get credit last year from Carphone Warehouse for a laptop £15 per month and got a Lloyds Tsb basic account dont know what to try next. Any ideas anyone?

When are the default dated?

hopeless_case_2

early last year and they not satisfied i sent CCA letters to them all and none have come back.

allthingsconsidered2009

sutton111 wrote: »

Littlewoods, Kays, Choice, Empire, Great Universal, additions are all the same company. they are the Shop Direct Group.

So does that mean yes I can or no I can't?

sutton111

Hopeless Case: Well don't loss faith in building your credit up. I had at least 10 because I had to give up work to look after my Mum.

I have paid most of mine back and alot have dropped off now. I have about 2-3 still on there but 1 more drops off in March this year and I'm paying 3 final installments on another and then thats done with.

How come you have so many? If you don't mind me asking.

Because they are dated last year most if not all lenders will see them and say no straight away. I had this problem I couldn't get credit full stop because of all my Defaults.

There is nothing really I can recommend until they are older really.

sutton111

allthingsconsidered2009 wrote: »

So does that mean yes I can or no I can't?

Yes you can have two or more accounts if they let you.

I have two accounts one with Empire Stores and the other with Littlewoods. HTH