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Sub Prime Credit Thread Part II

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  • allthingsconsidered2009
    allthingsconsidered2009 Posts: 343 Forumite
    Thanks Sutton. I now have accounts with Littlewoods, Additions Direct, Marshall Ward and Empire who are all part of the ShopDirect group. I am wondering if I should now go for Kays too (also part of the same group)
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    What are your credit limits?
  • allthingsconsidered2009
    allthingsconsidered2009 Posts: 343 Forumite
    sutton111 wrote: »
    What are your credit limits?

    Range from £500 to £200.
  • allthingsconsidered2009
    allthingsconsidered2009 Posts: 343 Forumite
    I was contacted by their fraud department who asked me why I was opening so many accounts with them. Apparently I got referred for extra checks to be carried out or something. I explained that I just can't seem to stop shopping! I was then asked to pay a £10 deposit, which I did. They then told me that was fine and that I could go ahead and continue shopping.
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    sgfdjh suidhggfuizxcnvzxokvnzx
    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: »
    sgfdjh suidhggfuizxcnvzxokvnzx


    Are you drunk?
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    sutton111 wrote: »
    Are you drunk?
    Aye, I have wokr ni hte mrnonuing too :o
    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.
  • noah271007
    noah271007 Posts: 1,248 Forumite
    sutton111 wrote: »
    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.

    How old does the default have to be before it is realistic to start applying credit? 4 years old default?
  • noah271007
    noah271007 Posts: 1,248 Forumite
    PROLIANT wrote: »
    Aye, I have wokr ni hte mrnonuing too :o

    LOL!! Very amusing!:beer:
  • cifpower
    cifpower Posts: 6,502 Forumite
    moyilla wrote: »
    Do you have a special deal or just pay the standard monthly fee they charge?
    I just pay the standard fee
This discussion has been closed.
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