Sub Prime Credit Thread Part II

Innocent_Guy

PARIS_5000 wrote: »

Okay but I think that they will search when you apply for the Cat to give you a pre-approved limit. So just apply for the account which is what I did and was accepted. If you only have 8 searches on equifax it should be okay.

Yeah I know but I would rather apply for something like Ulster, I think they search Equifax only....... How many searches you reckon you have on equifax

Innocent_Guy

cifpower wrote: »

Got my new car yesterday but I have no insurance on it. The insurance company will not be open til Tuesday/Wednesday and I can't change the policy til then. Cripes!

Well done mate!!!! Can you not change your policy online?

cifpower

sutton111 wrote: »

Do you still have your old car?

I have lent that to my friend until he gets his car serviced and get it MOT'd, taxed and new tyres put on it. The insurance on that car runs out on 2 May and he is named on that policy as a driver. It is up for sale though and has been listed on the internet and in the paper

Innocent_Guy

sutton111 wrote: »

Do you still have your old car?

I have got a 57 plate focus that hasn't moved off my drive in like 2 months! :mad::mad::mad:

I now use a company car but can't bare to get rid of my own....

What a waste of money

never-in-doubt

Innocent_Guy wrote: »

Yeah I know but I would rather apply for something like Ulster, I think they search Equifax only....... How many searches you reckon you have on equifax

mate told you before, Ulster is RBS = Experian first with follow up to Equifax.... :mad:

cifpower

Innocent_Guy wrote: »

Well done mate!!!! Can you not change your policy online?

No. It has to be done via letter or the telephone.

PARIS_5000

I am not sure will need to check my credit file but know that they are less than experian because the credit that I have apply for in the last few months only search experian. I am taking a break from searches because I have enough credit now.

I spoke to halifax and they told me that 1 search a month or 3 searches in the same period are okay before your credit file is affected.

never-in-doubt

PARIS_5000 wrote: »

I spoke to halifax and they told me that one search a month or 3 searches in the same period are okay before your credit file is affected.

That explains why, after 130 searches in a month, I keep getting declined :eek:

Innocent_Guy

never-in-doubt wrote: »

mate told you before, Ulster is RBS = Experian first with follow up to Equifax.... :mad:

Memory like a goldfish!!!

Innocent_Guy

PARIS_5000 wrote: »

I am not sure will need to check my credit file but know that they are less than experian because the credit that I have apply for in the last few months only search experian. I am taking a break from searches because I have enough credit now.

I spoke to halifax and they told me that 1 search a month or 3 searches in the same period are okay before your credit file is affected.

Interesting!

Did halifax offer you any credit products?