Sub Prime Credit Thread Part II

victor-meldrew_4

Innocent_Guy wrote: »

I feel like NID, I am on my laptop in the car

now you have just got to start watching bushes .

Innocent_Guy

victor-meldrew wrote: »

now you have just got to start watching bushes .

Ha ha ha..

Innocent_Guy

Just checked my CF with credit expert today. I can see that Jacamo have advised the CRA's they have set up an account however it says last update 26/04/09 It is the 23rd today tho!! How odd!

victor-meldrew_4

Innocent_Guy wrote: »

Ha ha ha..

you didnt apply to accessory then?
wouldnt they quote you, to save a search if you phoned them??????/

Innocent_Guy

victor-meldrew wrote: »

you didnt apply to accessory then?
wouldnt they quote you, to save a search if you phoned them??????/

Didn't apply....... Phone them about?? I've G2G in a min BTW

Innocent_Guy

Right I'm off chat to you later!

victor-meldrew_4

Innocent_Guy wrote: »

Just checked my CF with credit expert today. I can see that Jacamo have advised the CRA's they have set up an account however it says last update 26/04/09 It is the 23rd today tho!! How odd!

jacamo wont give me an account.strange becuase ambrose did straight after.

mumofboys_2

wigster78 wrote: »

Hi guys, great forum by the way. To cut a long story short I had a massive gambling problem around 4 yrs ago which cost me my credit status!! I blew around £47,000 gambling, it nearly cost my family and home etc. Anyway.........I ad Aqua, capital one and numerous other cards. I am glad to say I am now debt free in a way. Only my mortgage, 2 Jd Williams accounts. I can't apply for sub prime cos I already blown them out in my stupid phase. Any ideas? A cc is not needed for spending but just looing at improving the score again. I applied to Accessory and got a reply online saying "we will review and write to you in 7-10 working day". Fingers crossed but hey.....

Thanks for your time everyone and keep up the great site!!!

Mike

Hi Mike

Well done on getting debt free! My oh and I are also trudging the DF and credit building path - no real reasons, just over living. My point though is that OH had a Cap1 card which he managed very badly. It has now been paid off for 4 years, but he reapplied recently, and they have asked for id, which in my case was then followed by a CCA. Clearly I was offered a v low limit, and I expect the same for OH, but we are only using it to build credit rating, so it might be worth a go if this is what you are after too.

Hope this helps and good luck...

MOB

victor-meldrew_4

victor-meldrew wrote: »

just checked abbey done soft search on equifax for id.nothing on experian.
i thought all banks were experian and then perhaps follow with eq??

checked today.they searched experian yesterday ,but its only just showed.
so it looks like they never downgraded the account
also seems like searches and e/roll dont make abbey decline?

CarliJ

Ive been reading through this thread for a few days, and have applied for an Aqua card, they have sent me the form to sign and send back which I did last Friday. How long does its normally take after that?

C x