Sub Prime Credit Thread Part II

never-in-doubt

Brian1966 wrote: »

By the way... did I fail to mention that apart from Shop Direct and Jd's I have a part share in Citi Group. You gold card has been revoked, you now have a bog standard one with £100 limit.
Lowells will be chasing you too :j

Nooooo - I love my citi card mate - makes me feel real again! LOL

never-in-doubt

Brian1966 wrote: »

WHAT A GREAT IDEA.. POST 1999 He called us a tw*t, Banned for ever :T

did he? lets get him banned haha - he'd be gutted if we did, LOL

wonder if we PM the mods they will do it for us, for a joke?

TheEffect

What was all of your first jobs? (I'm interested).
I've been at my first job now for a month and am really enjoying it. It's a crap wage (£5.30 an hour) and the jobs not exactly the rits, but I'm loving meeting the new people at work, having a laugh and learning new things, along with the money. I work at a cinema. :rotfl:

never-in-doubt

TheEffect wrote: »

What was all of your first jobs? (I'm interested).
I've been at my first job now for a month and am really enjoying it. It's a crap wage (£5.30 an hour) and the jobs not exactly the rits, but I'm loving meeting the new people at work, having a laugh and learning new things, along with the money. I work at a cinema. :rotfl:

I always worked in security (one form or another) so never done real mans work i'm afraid

Screenager

Hi,

i am a long time lurker on these boards but very rarely post, mostly because my questions are normally asked and answered by other people on here before i even need to post.

I have a pretty bad credit history which i have been working on the past couple few months, I have obtained my credit reports from Equifax and Experian and it only occurred to me the other day that loans I had taken out with Provident over the last couple of years are not shown on my files. My credit has been too bad to get loans from Banks or other loan places so Around Oct 06 i took out a £800 loan and paid £1300 back within the year, then when it finished in Oct 07 I got the same loan and paid it back again and that finished Oct 08. I was hoping they would appear on my credit files, even though they are subprime loans surely being able to pay those amounts off with no missed payments would count in my favour, but as they have not been reported to the CRA's it hasn't worked in my favour at all, Is there no way of making them appear or making Provident report these to the agerncies.

I know it's highly unlikely but just wanted to throw it out there for any advice. Great thread by the way.

P.S I know my question is a loan one and not a credit card as the thread is called, but Sub Prime questions tend to get answered a lot more on here.

cifpower

I had 2 Provident loans last year and they both appeared on my Experian report

Brian1966

My last Provident loan, settled in Oct 2008 also appeared on my Experian, prior to that one they didn't but probably looks good having a SETTLED account on file

sutton111

Brian1966 wrote: »

My last Provident loan, settled in Oct 2008 also appeared on my Experian, prior to that one they didn't but probably looks good having a SETTLED account on file

Good afternoon Everyone.

Hi Cif.

Hi Posh (Brian). How are you?

My Provident loan appears on my Experian file too.

baz29

Hi i applied for a vanquis card on monday and it said we will contact you within 10-14 days. If i get a phone call does that mean that i have been accepted?

cifpower

Its nice to have 3 settled account out of 11 and all with good paymeny history.

Tesco should have received my documents today. Woot!