Sub Prime Credit Thread Part II

PARIS_5000

Effect

Wait at least 6 -12 months before you apply for anymore credit because you have only have your vanquis and Aqua credit cards for 3 months which is not a long credit history.

I had my capital one card for at least a year before I apply for more credit and now have HSBC credit card ,overdraft,Argos card and littlewood account.

Hope this helps

TheEffect

I think you're right. Look how much I've damaged my credit rating with the apply button.

Last month, I had 12 searches overall in the last 3 months and my score was 300. Now I have 15 searches, and 10 within the last 3 months, and my score has gone to 0 for some reason. Didn't think it can get that low.

PARIS_5000

Wow just go cold turkey and manage vanquis and Aqua well and in 6 -12 months your score will go up.

never-in-doubt

Innocent_Guy wrote: »

I have been in bed ill!!!!! Just back from the doctors and now sitting in the garden, in the sun, with shorts and t-shirt adding to my tan

LOL, tell m mate if you're black how do you get a tan? No offense, you know me - just curious

seeya23

good evening to all

im back now been at work the last few days off now till sunday

love_the_messenger

londonuk2008 wrote: »

Well as I said last week , I applied on Tuesday for the BOI credit card . They searched my Equifax only today!! No search on Experian. So wonder what happens now...

Do BOI search just Equifax then?
Is BOI part of Natwest/RBS?

love_the_messenger

never-in-doubt wrote: »

LOL, tell m mate if you're black how do you get a tan? No offense, you know me - just curious

Surely the exact same way a white person gets a tan. I don't understand your question.Obviously in the sun a black person's skin will become a darker shade of brown. One of my black mates actually goes on a sunbed sometimes in the winter.

duggie1982

love_the_messenger wrote: »

Do BOI search just Equifax then?
Is BOI part of Natwest/RBS?

Yip BOI is a part of the RBS group.

love_the_messenger

TheEffect wrote: »

I think you're right. Look how much I've damaged my credit rating with the apply button.

Last month, I had 12 searches overall in the last 3 months and my score was 300. Now I have 15 searches, and 10 within the last 3 months, and my score has gone to 0 for some reason. Didn't think it can get that low.

I'm in the same boat as you. My Experian score is "9" and the reason I think is because I have 14 or more searches.

duggie1982

Its very costly to keep an eye on all these credit reports since there is 3 main ones now.

Apart from the £2 requests that is.