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How to get back on the credit ladder

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  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    BTW I want a loan :'(
    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
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Innocent_Guy wrote: »
    BTW I want a loan :'(


    want mine mate? LOL, rates above...... :beer:
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    want mine mate? LOL, rates above...... :beer:
    yes please!!!!
    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
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Innocent_Guy wrote: »
    yes please!!!!


    apply mate, they only asked me the personal stuff; name, address, dob, amount of loan/term and then said we're pleased to confirm the loan has been accepted..... at which point I started to laugh and politely (lol ye rite!) hung up :beer:
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    apply mate, they only asked me the personal stuff; name, address, dob, amount of loan/term and then said we're pleased to confirm the loan has been accepted..... at which point I started to laugh and politely (lol ye rite!) hung up :beer:
    No!!
    1) If tesco declined me a CC of coure HBOS will decline me a loan!!
    2) I am saving my next to searches for
    *Capital One
    * Halifax Current Account

    Aqua is provided/underwritten or owned or what by HBOS so surely if you have an Aqua card you will get accepted?
    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
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Innocent_Guy wrote: »
    No!!
    1) If tesco declined me a CC of coure HBOS will decline me a loan!!
    2) I am saving my next to searches for
    *Capital One
    * Halifax Current Account

    Aqua is provided/underwritten or owned or what by HBOS so surely if you have an Aqua card you will get accepted?

    I got declined for aqua a week ago lol (it was one of the 23 applications made mate)
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    I got declined for aqua a week ago lol (it was one of the 23 applications made mate)
    I think it is a lottery...........
    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
  • marcellep
    marcellep Posts: 1,695 Forumite
    I have applied for a Barclay Credit card! My credit is not bad after having a fight with CRA's I have had two defaults removed. Only problem I see is my Trust Deed is showing as settled one CRA and other two is been removed.

    I await an out come
    If I have been helpful - Hit the Thanks button
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    marcellep wrote: »
    I have applied for a Barclay Credit card! My credit is not bad after having a fight with CRA's I have had two defaults removed. Only problem I see is my Trust Deed is showing as settled one CRA and other two is been removed.

    I await an out come
    Well done, update us on the status
    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
  • marcellep
    marcellep Posts: 1,695 Forumite
    Innocent_Guy wrote: »
    Well done, update us on the status


    Oh I will do! This is the 1st thing I have applied for since I spent the last 4 mths sorting my CR

    Top Thread:)
    If I have been helpful - Hit the Thanks button
This discussion has been closed.
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