Sub Prime Credit Thread Part II

sutton111

allthingsconsidered2009 wrote: »

how many searches can I have on my credit file and still get approved for cards? Catalogues don't seem to care and keep approving me despite ridiculous number of searches

They seem to recommend five searches for good deals no more than that.

Woodyrocks

milfordmadness wrote: »

Try Vanquis, they are easy and I got one just last week with crappy £250 limit but at least it produces green [0]'s :j

Vanquis are a easy ladder to climb imho. Also started off with £250 a year ago and I am now on £1250 so hang in there, they do take notice of how you manage your account and will reward accordingly (goes without saying that you should clear your balance in full every month as the interest is not to be messed with :eek:)

londonuk2008

sutton111 wrote: »

Hi London, Do you have Vanquis?

Still got it but never use now - I have a limit of £1k - keep sending me c/c cheques!

louiser123

good afternoon everyone,

how are we all?

i have a bit of a query really if anyone with knowledge has the answer!!
as you know we bought our new car a couple of weeks ago, picked it up last friday, signed the credit agreement and have had the copy and other docs in the post friday this week.

the finance is with peugeot finance, apparently french bank, but would think they have uk based arm.
since we applied for this there has been no credit searches done on either of our files!! not equifax,experian or callcredit!! i find this a bit strange really though not complaining!! the account hasnt as yet been added to the reports either.
what worrys me is if they do a search in a month or so time and decide its too bigger risk with having a default on my file what happens then, surely they cant do what other credit providers do like cards/catalogues and pull the credit can they??

seeya23

good evening to all

where are you lot ?????????????????????

Jaybee24uk

Anyone had any luck with a FREEMANS catalog account?

I placed an order on Wendsday, had a confirmation email, just waiting to see if it has deffo been accepted.

allthingsconsidered2009

Jaybee24uk wrote: »

Anyone had any luck with a FREEMANS catalog account?

I placed an order on Wendsday, had a confirmation email, just waiting to see if it has deffo been accepted.

I shockingly got declined by this crappy catalogue. No negatives on my files either!

Jaybee24uk

allthingsconsidered2009 wrote: »

I shockingly got declined by this crappy catalogue. No negatives on my files either!

Did you get a decline message online, or did you have to wait for a letter in the post?

fairmorn308

evening all

PROLIANT

fairmorn308 wrote: »

evening all

Hey buddy, hows things?
Any news on the job front?