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Sub Prime Credit Thread Part II

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Comments

  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    claire6hy wrote: »
    oh, no idea!
    applied for both accessory and flybe in the past couple of months, not had my ratings since

    Ohh ok. I was thinking of applying but afraid of my amount of searches......
    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
    Ohh ok. I was thinking of applying but afraid of my amount of searches......

    Sygma search Equifax and not Experian.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    Sygma search Equifax and not Experian.

    OOOOOOOO..... Sounds good. ;)
    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
    I think the criteria with them may be relitivly easy but the risk of CIFAS is another factor...
    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
  • Cash_Flow
    Cash_Flow Posts: 1,103 Forumite
    OOOOOOOO..... Sounds good. ;)

    If I was you I would of applied for the Credit Card before I applied for the SDG account;)
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I think the criteria with them may be relitivly easy but the risk of CIFAS is another factor...

    I know. I think it's worth a go. I would try Flybe. Do it soon so you get an instant decision.
  • cifpower
    cifpower Posts: 6,502 Forumite
    Sutton has defaults tho are yours satisfied?
    Not satisfied, no. I have had no contact from the bank or any DCA
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    I know. I think it's worth a go. I would try Flybe. Do it soon so you get an instant decision.

    Flybe declined my OH. Her credit rating was excellent until I stopped making all of her payments for her. She does have the money but just forgets to pay so has recently got some late & missed payment :mad::mad:
    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
    Cash_Flow wrote: »
    If I was you I would of applied for the Credit Card before I applied for the SDG account;)

    I suppose as the additional searches would be lowering my score
    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
    Cash_Flow wrote: »
    If I was you I would of applied for the Credit Card before I applied for the SDG account;)

    I would of. I did!

    I got declined for a credit card so applied for SDG accounts instead.
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