Sub Prime Credit Thread Part II

sutton111

baz29 wrote: »

Hi does anybody know which credit reference agency next use for opening their catalogue?

They use Equifax Baz.

colin13

wigster78 wrote: »

Hi guys, In your opinions would it be worth my wife applying for a capital one card as seen as she is financially linked to me and i had defaulted with them 4yrs ago? She had a card although it was my account and like I said in previous posts I have had a dubious past which is in no way linked to her.

yes give it a try,,they do give card to people of dubious past,,ie me and others:)

TheEffect

Just phoned CapitalOne again. They've accepted me, with a mere £100 provisional limit.

They said they're sending out a credit agreement. I'm not quite sure why, as I signed the agreement online, but hey, at least I've got the card now. Just better not spend anything more then a cup of coffee on it. :rotfl:

Innocent_Guy

TheEffect wrote: »

Just phoned CapitalOne again. They've accepted me, with a mere £100 provisional limit.

They said they're sending out a credit agreement. I'm not quite sure why, as I signed the agreement online, but hey, at least I've got the card now. Just better not spend anything more then a cup of coffee on it. :rotfl:

I want to get one now!!!! Did you say you had 16 searches on Experian how many on equifax?

victor-meldrew_4

never-in-doubt wrote: »

One local to where you live is a good choice or neutral like abroad, Inter Milan, Barcelona, Real Madrid - summat like that. Its a choice thing as well, don't force it - let things flow naturally and he'll learn from friends etc who they support and make his own decision, a top is just a top after all so a neutral one may be better.... Being in Essex, West Ham is the choice of most..

cheers. the other half ha done some extensive research today and decided arsenal are clearly the best,mmm.
becuase they have the best colours,to suit her,home and away lol.
bless her

victor-meldrew_4

TheEffect wrote: »

Just phoned CapitalOne again. They've accepted me, with a mere £100 provisional limit.

They said they're sending out a credit agreement. I'm not quite sure why, as I signed the agreement online, but hey, at least I've got the card now. Just better not spend anything more then a cup of coffee on it. :rotfl:

congrats
like i said ,we had your application answer twice and they both were a final yes.
perhaps sending you the cca is a final s/check ?:T

fairmorn308

evening troops

hows tricks

:D:D

Karinalou_2

Evening all

I'm new to this but have been looking around various threads on and off for a couple of months now (working up the courage to properly post something, theres some mean people on some of the threads!!) I've been looking through this forum, well read pages 1-25 and then skipped to 475 and so hoping this post is the right place to for this.

Basically I'm 25, on a pretty good salary and saving to buy a house with my OH. We're doing ok on the saving front but I'm getting abit worried about the prospect of applying for a mortgage because when I was younger I wasnt as sensible as I am now. I took out a couple of cc's when I was 18, used them and then defaulted quite abit. They are all cleared up now and when I checked my credit file the other day was happy to see that they are no longer on it. The problem is that now my score has dropped from fair to poor because there is nothing on my file.

I've just applied for an aqua and a vanquis card following the posts from alot of people on here and on both of them been told that they will make their decision within 7-14 days. I'm not too bothered about the actual credit rating just actually getting the card to try and build up some history.

Have any of you got any idea of how long (if I pass and get the cards) it takes for history to update and how many months I would have to wait before attempting a mortgage application (dont really want to attempt and then get declined as dont want it on my credit file) We were hoping to try and buy towards the end of the summer but will wait longer if its better.

Thanks for reading and sorry its such a long post.

TheEffect

Innocent_Guy wrote: »

I want to get one now!!!! Did you say you had 16 searches on Experian how many on equifax?

16 on Experian
14 on Equifax

As of 14th of next month, I'm stopping monitoring my credit reports. It's to expensive and I don't really see it worthwhile. I have all the credit products I require e.g. 3 credit cards (all sub), contract phone, two current accounts.

Innocent_Guy

TheEffect wrote: »

16 on Experian
14 on Equifax

As of 14th of next month, I'm stopping monitoring my credit reports. It's to expensive and I don't really see it worthwhile. I have all the credit products I require e.g. 3 credit cards (all sub), contract phone, two current accounts.

I have got 14 on experian and 8 on equifax I WILL apply next month