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Sub Prime Credit Thread Part II

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Comments

  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Innocent_Guy wrote: »
    LOL - Experian told me mine was fine however the lenders say it is not LOL

    Equifax sorted mine quite easily


    Equifax seem to have it set-up better than Experian when it comes to disputes. IMO.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    Brian1966 wrote: »
    Sygma turned me down in Sept last year for an Adams card. Applied, got 7-10 day message then a letter 3 days later.. all it said was " go away you stupid fool" :mad:
    Remember just because it is underwritten by the same people the criteria can be and will be different
    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
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Innocent_Guy wrote: »
    I think they need to widen the range


    Yes they do!

    They have started selling iPods recently, I noticed. Which is progress.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    Equifax seem to have it set-up better than Experian when it comes to disputes. IMO.
    Yup I agree
    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
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    Yes they do!

    They have started selling iPods recently, I noticed. Which is progress.
    :rotfl::rotfl::rotfl::rotfl::rotfl:
    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
  • Brian1966
    Brian1966 Posts: 1,428 Forumite
    Innocent_Guy wrote: »
    Did you appeal?

    Did you have a good CF at that point or is it alot more attrative now?
    Had nothing much back then, now I do have a few accounts reporting good conduct, the CIFAS thing puts me off though. Keep thinking about applying to my own bank Natwest, they said no last year but may look better now. ;)
    Natwest gold..Limit £1750 bal £970..Vanquis Limit £3000 bal £0..Littlewoods..Limit £1200 bal 0..Additions direct..Limit £4900 bal £1356..Empire Limit £6200 bal £152..Jd williams..Limit £1100 bal £130..Simplybe..Limit £1500 bal 265,,Fashion world..Limit £1400 bal £145 Jacamo..Limit£125 bal 0
    Next..Limit £?? bal £0 Asda..limit £1250 bal £440,
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Innocent_Guy wrote: »
    :rotfl::rotfl::rotfl::rotfl::rotfl:


    Am I missing the joke? :confused:
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Brian1966 wrote: »
    Had nothing much back then, now I do have a few accounts reporting good conduct, the CIFAS thing puts me off though. Keep thinking about applying to my own bank Natwest, they said no last year but may look better now. ;)
    Any movement on the OD with Natwest?
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    Brian1966 wrote: »
    Had nothing much back then, now I do have a few accounts reporting good conduct, the CIFAS thing puts me off though. Keep thinking about applying to my own bank Natwest, they said no last year but may look better now. ;)
    The cifas puts me off but if you have lots of their products already and have proved you can manage why not accept you?
    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
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    Am I missing the joke? :confused:
    I can buy an ipod from my corner shop but jacamo have only just got them :rotfl:
    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
This discussion has been closed.
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