Sub Prime Credit Thread Part II

Innocent_Guy

sutton111 wrote: »

Another application Effect?

How many searches do you have now?

He is worse than me!

TheEffect

Looks like applications line closed at 9pm.

On experian, I've got 16 searches in the last 12 months, now 7 in the last 3 months.

I just wanted a sub-prime card that has full online access that works. Vanquis has no online access, Aqua does, but it never works. BarclayCard said no to me.

I really am not doing any more applications for anything for 6 months. I want to start saving.

Having 2 credit cards (Possibly 3), 1 mobile contract and 2 current accounts now all reporting green 0's, everything should be fine in 6-12 months when the search damage is repaired.

davethorp

never-in-doubt wrote: »

whats the grand for mate?

Long story (well just over a year long). Without going into the full details lets just say we (we being myself, my partner and our two sons who at the time were 18 months and 2 weeks old) were disturbed at 3am one morning by some officers of the constabulary knocking on our door and bedroom window looking for someone who didn't (and to our knowledge never did) live at the flat we were occupying at the time. Once they established the person they were looking for wasn't there (and that I was who I was telling them I was) they proceeded to harass us for another 20 minutes.

TheEffect

Innocent_Guy wrote: »

He is worse than me!

Yes, I'm bad. When I want something, I've got to get it. :rotfl:

Hasn't really got me anywhere good though. I'm 18 years old and my credit rating is ruined. I'm the only 18 year old I know with a ruined credit rating.

Innocent_Guy

TheEffect wrote: »

Yes, I'm bad. When I want something, I've got to get it. :rotfl:

Hasn't really got me anywhere good though. I'm 18 years old and my credit rating is ruined. I'm the only 18 year old I know with a ruined credit rating.

No it has been temp weakened.......... Think about it, if you lay off the applications you will be the 19 year old with the BEST creidt rating!

Innocent_Guy

Could you not just call them general line?

sutton111

Innocent_Guy wrote: »

He is worse than me!

The thing is he makes and you just talk about making applications!

I've had a new bed delivered today. I can't wait to go to bed tonight!!

TheEffect

Innocent_Guy wrote: »

No it has been temp weakened.......... Think about it, if you lay off the applications you will be the 19 year old with the BEST creidt rating!

Yup, it's just going 12 months without applying for anything. I'm addicted. I get a buzz from it, though only for credit cards, not anything like catalogs etc.

I need to go cold turkey NOW. :rotfl:

Innocent_Guy

TheEffect wrote: »

Yup, it's just going 12 months without applying for anything. I'm addicted. I get a buzz from it, though only for credit cards, not anything like catalogs etc.

I need to go cold turkey NOW. :rotfl:

I know the feeling. I just love applying for anything..........

None of us are as bad a PROLIANT who had 147searches or something like that

NID is following closely behind ( He may even be in front now! )

TheEffect

Innocent_Guy wrote: »

Could you not just call them general line?

Just get told to ring a different number, which tells me they are closed. I'll give them a call tomorrow morning.