Sub Prime Credit Thread Part III

Innocent_Guy

Parki wrote: »

Yes the credit builder.

I have 2 defaults that are to be removed in Feb and May next year. Fully settled but they were for largish amounts. And one default that is still on that should have already been removed but it should be removed in the next few days.

Thanks, well done then!

Parki_2

Cheers.

I also have applied for Aqua and vanquis. Do you think it would be wise for me to cancel these? Or should I see if I get any of them too? Would 2-3 cards be better if I used them to improve my credit score? I probably wont get acceped for the others though.

Innocent_Guy

Parki wrote: »

Cheers.

I also have applied for Aqua and vanquis. Do you think it would be wise for me to cancel these? Or should I see if I get any of them too? Would 2-3 cards be better if I used them to improve my credit score? I probably wont get acceped for the others though.

They would haver already credit checked you so there is no point cancelling the application now. You WILL deffo be accepted for Vanquis and very likely Aqua if Capital One offered you a £1000 limit

Parki_2

I am still waiting to see if MBNA will still send me a card for my active account. Still getting the statements with a £0 balance and the credit limit still on even though I ripped my card up 5 years ago when I went on my DMP. Just need to reset my security details so I can try my luck and ask. Anyone else had any luck doing that?

Innocent_Guy

Parki wrote: »

I am still waiting to see if MBNA will still send me a card for my active account. Still getting the statements with a £0 balance and the credit limit still on even though I ripped my card up 5 years ago when I went on my DMP. Just need to reset my security details so I can try my luck and ask. Anyone else had any luck doing that?

That would be hillerious

never-in-doubt

I'm going to get a Crappy1 card - LOL... got to try it. For a laugh!

Parki_2

The MBNA one never went into default. It has no mention of the DMP on it. I have just paid them a set amount each month. Just wondering how they see it.

MBNA EUROPE BANK L... Credit card / S... Satisfactory £622 10/05/2009 [URL="javascript:ibToggle2('6');"] Hide[/URL]
ENTRY NUMBER: C7
Name:
Address:
Date of birth:
Company name: MBNA EUROPE BANK LIMITED Account type: Credit card / Store card Started: 29/11/2002 Current Balance: £622 Credit Limit: £4,000 Credit Limit History:


File Updated for the Period to: 10/05/2009 Summary of payment history: In the last 36 months of account activity, the number of status 1-2 is 1 and the number of status 3+ is 0 Account Status: Balance: £622£607£868£1,125£1,368£1,614£1,854£2,080£2,315£2,544£2,557£2,575 Payment Amount: £284£284£284£284£284£284£284.......... Previous Statement: £892£1,153£1,410£1,653£1,899£2,138£2,365.......... Cash Advance: 0000000.......... Advance Amount: £0£0£0£0£0£0£0.......... Payment Code:






.......... Promotional Rate: NNNNNNN..........
Its got a balance of £0 btw. Just not been updated on experian. Everytime I spoke to MBNA I had to explain I was on a DMP and they never seemed to acknowledge that. Be funny if they did agree to send me a card though

never-in-doubt

Innocent_Guy wrote: »

That would be hillerious

You're playing a risky game matey - i'd not risk it but to be honest, just send a letter in asking for a new card cos you seem to have mislaid it..... thats the safest bet, then you can't get 'caught out' on the phone by some clued up [STRIKE]w@nker[/STRIKE] banker

Parki_2

What would I be risking? The account is paid off so I would just be using it again?

Are Capital One supposed to be bad then?

I already have a few complaints with them.

#1 No confirmation via email of my application
#2 Phone today at 3pm and no records for me. Spent ten minutes letting them search by postcode, name, dob etc and they couldnt find me. They advise me to re-apply online.
#3 I phone back after checking my experian report to see they have made a search so must have finished applying online correctly. This time they find me on the system and say im approved. Why no confirmation by email?

noah271007

Hello all! Did you watch Martin programme at 8pm today? They were telling stuff we already know! I had to laugh at the guy who got bankrupt and after 6 years got an excellent credit history! It is not right, since there are people who have arrears on their accounts going back more than 6 years and their credit file is still impaired! They used Experian credit scores, but it does not mean anything as the policy depends on each individual whether to lend or not!