Sub Prime Credit Thread Part III

Innocent_Guy

Parki wrote: »

Innocent whats your story on here then. Any defaults or is your file clean?

Had identity theft, they defaulted, I was applying & getting declined. Found about about ID theft and got incorrect data removed now just a few too many searches...

Whats yours?

Ands yours Victor?

Parki_2

I have 2 defaults that go off in Feb and May next year. Went on a DMP 5 years ago to clear all my debts and became debt free a few months ago so just trying to rebuild my credit as best as I can untill the defaults come off. Im hoping by the time they come off my credit rating will be completely repaired.

I dont have many searches as yet. No point me actually applying for anything else now though untill the defaults come off in May. Done Cap One, Vanquis and Aqua so doesnt seem much else for me.

victor-meldrew_4

Innocent_Guy wrote: »

Had identity theft, they defaulted, I was applying & getting declined. Found about about ID theft and got incorrect data removed now just a few too many searches...

Whats yours?

Ands yours Victor?

approaching three years of history,nationwide account.
credit accounts,some 18 months old,some newer.
just on e/roll with experian,wating for e/q
clean credit files.8 searches in the last 6 months and year for eq.
9 for the last 6 for experian and 30 for the year
22 accounts,trying to slim down.
all green zeros

Innocent_Guy

Oh ok BRB,,,,,,,,,,,,,,,

Innocent_Guy

victor-meldrew wrote: »

approaching three years of history,nationwide account.
credit accounts,some 18 months old,some newer.
just on e/roll with experian,wating for e/q
clean credit files.8 searches in the last 6 months and year for eq.
9 for the last 6 for experian and 30 for the year
22 accounts,trying to slim down.
all green zeros

22 accounts?

What an earth you got man?

never-in-doubt

bigbum wrote: »

:rotfl::rotfl::rotfl:

I'm sure i don't know what you mean I'm absolutely sure NID is a very nice young gentleman, who any girl would be proud to introduce to her parents :T .

Both my sealed 'you-know-what' challenge and £2 coin savers challenge have gone Pete Tong. Had to dip in as no wages coming in . Why's life so tough? :rolleyes:

He's trying to imply I smoke weed (pot) lol - funny beggar!

Thanks for the compliment, I am a nice young man (39, young?) lol :rotfl:

Innocent_Guy

never-in-doubt wrote: »

He's trying to imply I smoke weed (pot) lol - funny beggar!

Thanks for the compliment, I am a nice young man (39, young?) lol :rotfl:

Any confirmation of FD account?

I might apply.

never-in-doubt

Innocent_Guy wrote: »

Any confirmation of FD account?

I might apply.

Ive sent froms at 6pm tonight but applied for hsbc card yesterday and told em if 1st direct offered me card with £6400 limit then why didn't you?

They applied (my behaviour score was 72) and told me it is a deffo accept and guess what? referred LOL

I'll know in a day or so I guess.... Also, assuming 1st direct will reject me - bummer....

does anyone know who 1st direct search? if experian then i'll be ok, if equifax then maybe not (experian has 164 searches as last week)

Innocent_Guy

never-in-doubt wrote: »

Ive sent froms at 6pm tonight but applied for hsbc card yesterday and told em if 1st direct offered me card with £6400 limit then why didn't you?

They applied (my behaviour score was 72) and told me it is a deffo accept and guess what? referred LOL

I'll know in a day or so I guess.... Also, assuming 1st direct will reject me - bummer....

does anyone know who 1st direct search? if experian then i'll be ok, if equifax then maybe not (experian has 164 searches as last week)

Maybe HSBC reffered because you have been approved for FD?

never-in-doubt

Innocent_Guy wrote: »

Maybe HSBC reffered because you have been approved for FD?

nah cos i have 100's of searches mate lol - that much is obvious.

remember I also have 2 cifas - not on my experian credit report but direct with cifas/on equifax.

I'm confused about that but cant argue with experian cos it just doesn't show anything haha