Sub Prime Credit Thread Part II

TheEffect

I wanted to phone o2 to make sure I have been accepted, and the woman didn't just get mixed up earlier, just for reasurance, but they're closed now, so I'll ring tomorrow.

Problem is, I have an iPhone 3G contract with 8 months left at the moment, however I broke the iPhone 3G so am using the sim card in a crappy old phone. The contract is in my mums name, as I was 17 when I got it and am 18 now, so I'm going to pay off the current contract that has 8 months left next month when I get paid, then I'll have a iPhone 3G contract all in my own name. YAY.

Someone asked about Flybe, I got declined and they couldn't give a reason. Still heard nothing back from BarclayCard about my appeal.

victor-meldrew_4

Just checked my experian,my vanquis account comes up as settled and they have opened a new one for the gold card they made me have.
Does any think this will have a negitive or poss affect on my score./report ?

never-in-doubt

victor-meldrew wrote: »

Just checked my experian,my vanquis account comes up as settled and they have opened a new one for the gold card they made me have.
Does any think this will have a negitive or poss affect on my score./report ?

definitely positive..... shows you've maintained and closed an account...... its a good thing. :j

TheEffect

I just phoned o2, and they said it's STILL processing, however it's showing accepted for credit checks. They're not exactly sure why it's still processing, but it's possibly due to it being a new account and my first time being with o2. They said ring back later today. Pitty I'm working until 6pm. Hopefully they're open a little later then 6, otherwise I'll have to sneek off for a little bit at work.

Jackie235

Jackie235 wrote: »

Hello All,

Was just wondering if anone knows how long from applying it takes to get a decline letter from Aqua, I applied on 11/03/2009 and got the 10-14 days message, they searched my experian file on the 12th but have not had a decline letter yet!

I applied back in december (when I wasn't on the elec roll), got the 10-14 day message and had a letter of decline on the mat 3 days after,

Does anyone think im in with a chance?

2 Searches in last 6 months on my Experian, Vanquis £250 limit with 4 green zero's, Cap One £500 Limit with 12 green zero's and Alliance and Liecester Current Acc with £100 OD limit 5 green zeros' and Natwest Step 3 years of green zeros.

I was Bankrupt in 2004, discharged in 2005 and have since been trying to rebuild. Got a Mortgage in 2006 and just want to keep building to get Mainstream mortgage and better rate CC's.

Any help?

Thanks
PS Love this forum, never posted till now!:D

Have Still not received anything so called Aqua just now,

The girl said there was no information with my name / address on it so she couldn't tell me anything! I asked if it was worth applying again she siad I could if I wanted, i did say that I had been credit searched but she said nothing had been transmitted.
Not sure what to do now, should I re-apply or not?

Any help folks?

sutton111

Jackie235 wrote: »

Have Still not received anything so called Aqua just now,

The girl said there was no information with my name / address on it so she couldn't tell me anything! I asked if it was worth applying again she siad I could if I wanted, i did say that I had been credit searched but she said nothing had been transmitted.
Not sure what to do now, should I re-apply or not?

Any help folks?

I would telephone them back Jackie, and ask to speak to an underwriter and tell them that they have done a credit search already and ask them to remove the search and then reapply.

cifpower

No decision yet from Tesco or Flybe

sutton111

cifpower wrote: »

No decision yet from Tesco or Flybe

Ring them!!

cifpower

I did ring them! How do you think I know that no decision has been made!

victor-meldrew_4

never-in-doubt wrote: »

definitely positive..... shows you've maintained and closed an account...... its a good thing. :j

Thanks.Whats everyones opinion on vanquis and what they are upto.
1/They got me back on credit fast.like customer service.nice credit limits.
HOWEVER.
2/Cant see what the gold cards are about.my account with them is perfect,balance never goes over 50% of limit,limit 2000.They wont move me off original apr,47%.
3/My other half has an account with them,she has other lower apr cards aswell,like i do.She hasnt run it well.A few accidental late payments,paid a few days late,and a couple of over limits.Always with a balance at its limit.They have just put her on limit of £2250.I think any over company would have reduced.
I had fast credit increases,although smaller limit and lower apr would be nice.O/H got increases more or less when she was at her limits,which is now all the time.Credit file not great and very little avilable credit.
As they are owned by provident,who offer o/h cash loans even though shes never been a customer,does anyone think they are lending irresposably and creating future probs.Or perhaps being a little more like the parent company strapping people up.
I REALISE EVERONE ON THIS THREAD IS AND ARE SENSILBE BORROWERS,but some freinds also have simular vanquis stories to my o /h.