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Sub Prime Credit Thread Part II

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Comments

  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    TheEffect wrote: »
    Aqua accepted me with 6ish searches, Vanquis accepted me with around 9. :p

    but my file has 2 cifas and 130 searches :eek: plus a default from 6 months ago plus like 100 defaults that aint mine! Linked address......

    I doubt i'll get one haha
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    when now? they won't be open mate - i dont ring them, they can write to me if they want to.... I aint desperate, like I said its more for my CAG excercise right now but hoping my last letter to equifax will kick them into gear and remove the data that aint mine .......
    Aqua / Halifax customer service are open 24hrs and yes they can give you a status update..
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Innocent_Guy wrote: »
    Without moaning and saying i never listen lol I am think about getting OH to apply for either

    * Debenhams
    * Flybe
    * Tesco
    * Ulster

    * Debenhams - GO FOR IT! :D
    * Flybe - NO - RISK OF CIFAS :mad:
    * Tesco - GO FOR IT :D
    * Ulster - NOT WORTH IT WITH MISSED PAYMENTS :mad:
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • TheEffect
    TheEffect Posts: 2,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    never-in-doubt wrote: »
    but my file has 2 cifas and 130 searches :eek: plus a default from 6 months ago plus like 100 defaults that aint mine! Linked address......

    I doubt i'll get one haha
    :eek:

    I'm surprised they let you deal with cash when shopping. :p
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    edited 6 April 2009 at 8:54PM
    TheEffect wrote: »
    Aqua accepted me with 6ish searches, Vanquis accepted me with around 9. :p
    I had 12 searches when I got Vanquis
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Innocent_Guy wrote: »
    Aqua / Halifax customer service are open 24hrs and yes they can give you a status update..

    really? right now over the phone even though they said 7-10 days? It has to be looked at by u/w surely?
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Innocent_Guy wrote: »
    I had 12 searches when I got Aqua

    you got aqua? what limit mate? what start limit? what is current limit? :j
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    but my file has 2 cifas and 130 searches :eek: plus a default from 6 months ago plus like 100 defaults that aint mine! Linked address......

    I doubt i'll get one haha
    Would be good if you did
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • TheEffect
    TheEffect Posts: 2,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    never-in-doubt wrote: »
    really? right now over the phone even though they said 7-10 days? It has to be looked at by u/w surely?

    I believe it's computer first, then underwriters. They tell you whether you've been provisionally approved I believe.
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    TheEffect wrote: »
    :eek:

    I'm surprised they let you deal with cash when shopping. :p

    LOL - i'm not bad though, the default is not mine and the incorrect data will soon be gone. The cifas are cos of the link so they will also go - in essense I have a lot of searches yea, but 6 well run accounts.

    I always have proof and if requested i'd send proof in of my dealings with equifax - plus on experian there is no adverse data..... just equifax.
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
This discussion has been closed.
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