Sub Prime Credit Thread Part III

never-in-doubt

Geenyweeny wrote: »

okay - i've just got off the phone to Lloyds TSB who accepted me for any account I wanted, including their premier accounts (which ofcourse they charge a monthly fee for).

I went for their standard account which is free, comes with a Visa debit card and a cheque book, also an overdraft if I wanted one - i said no, but am allowed to arrange one in the future if i come into some sort of difficulty.

Now, am I being paranoid, or is there a reason why I was so easily accepted by Lloyds. Are they not a very good bank?

Its unlikely a bank will offer you any account you like.... maybe you just passed their credit score thus they offered you a bank account - choose which! Their gold account isn't exactly worth the amount you pay, its no HSBC Premier that's a certainty!

It doesn't mean anything, credit is individual and you must have a half decent score - Lloyds are not the easiest to get a full account with.... not if you have adverse credit anyway! :beer:

TheEffect

I was just going to hit the Apply button on Littlewoods, but stopped myself. Thinking of actually having a Lloyds TSB Airmiles CC next year kept me away from that apply button. 12 months and I should be set to go for a mainstream card.

Normally I'd just hit apply and worry about the extra search, but I've just managed to get 5 searches removed from Equifax, and 3 from Experian. Going to keep at it and no more searches for 6 months at least.

Aqua, Vanquis, CapitalOne, o2 and HSBC all going to be reporting green 0's.

cifpower

Just updated the OP

Innocent_Guy

victor-meldrew wrote: »

i think sutton or innocent are the ones to ask about hsbc

Depends on your behaviour score whether they will offer you a CGC or not

Let us know

sutton111

Innocent_Guy wrote: »

Depends on your behaviour score whether they will offer you a CGC or not

Let us know

You've been quite today.

I think I'm going to remove my NOC and try HSBC again.

What do you think?

cifpower

Got an alert from Equifax - CapOne have been kind enough to search my file twice yesterday

sutton111

cifpower wrote: »

Got an alert from Equifax - CapOne have been kind enough to search my file twice yesterday

Well that was rather nice of them. :rolleyes:

Have you e-mail Capital One or Equifax to get 1 search removed?

cifpower

sutton111 wrote: »

Well that was rather nice of them. :rolleyes:

Have you e-mail Capital One to get 1 search removed?

I have a feeling that one is hard and one is soft

TheEffect

cifpower wrote: »

Got an alert from Equifax - CapOne have been kind enough to search my file twice yesterday

I had 2 from them, however 1 was a fraud check or something like that, and is not shown to other people who search my file. Do you know if you've been accepted yet?

sutton111

cifpower wrote: »

I have a feeling that one is hard and one is soft

Is one in Table 1 and the other in Table 2?