Sub Prime Credit Thread Part III

seeya23

Good morning to all

davethorp

Good morning, catching up I'm unsure if this is the sub prime credit thread or the bondage dating thread!

victor-meldrew_4

never-in-doubt wrote: »

OI you cheeky beggar! :mad:

I'm not that bad - lol, went a week now without applying haha! Waiting to see what 1st Direct say! Then i'll start my sabattical.

Also, office based now - started again today! :rotfl:

no more bushes for me matey

lol:rotfl::rotfl::rotfl::rotfl:

victor-meldrew_4

seeya23 wrote: »

Good morning to all

morning seeya

elle.woodz

Hi Guys

Sorry to hijack but hope some of you specialists can help.

I would like to apply for a LittleWoods catalogue but:
*I plan to apply for a mortgages within the next month or so
*I have 2 late payments on my Orange account (only these, no other defaults etc) - this only shows up on Equifax, not Experian.
*I have Capital One CC (had it for only 2 months)
*I have overdraft with my bank and some other agreements like Vodafone (over a year now, no late payments) etc. Have been registered on Electoral for almost a year.
*I have a fair number of searches showing up as 2 in April, one in March and one in Feb 2009 and some others in 2007 and 2008.

I usually get refused credit cards, is it worth applying?

Many thanks for any advice!

victor-meldrew_4

elle.woodz wrote: »

Hi Guys

Sorry to hijack but hope some of you specialists can help.

I would like to apply for a LittleWoods catalogue but:
*I plan to apply for a mortgages within the next month or so
*I have 2 late payments on my Orange account (only these, no other defaults etc) - this only shows up on Equifax, not Experian.
*I have Capital One CC (had it for only 2 months)
*I have overdraft with my bank and some other agreements like Vodafone (over a year now, no late payments) etc. Have been registered on Electoral for almost a year.
*I have a fair number of searches showing up as 2 in April, one in March and one in Feb 2009 and some others in 2007 and 2008.

I usually get refused credit cards, is it worth applying?

Many thanks for any advice!

yes you should have no problems being accepted.they should give you a healthy limit.
hope that helps

davethorp

If they do reject you though (like they do quite often with me) try the JD williams group. They accepted me with a £100 limit and it's now £900 and I have a credit card thanks to them too!

bigbum_2

Afternoon guys :hello:

bigbum_2

elle.woodz wrote: »

Hi Guys

Sorry to hijack but hope some of you specialists can help.

I would like to apply for a LittleWoods catalogue but:
*I plan to apply for a mortgages within the next month or so
*I have 2 late payments on my Orange account (only these, no other defaults etc) - this only shows up on Equifax, not Experian.
*I have Capital One CC (had it for only 2 months)
*I have overdraft with my bank and some other agreements like Vodafone (over a year now, no late payments) etc. Have been registered on Electoral for almost a year.
*I have a fair number of searches showing up as 2 in April, one in March and one in Feb 2009 and some others in 2007 and 2008.

I usually get refused credit cards, is it worth applying?

Many thanks for any advice!

I no longer have a Littlewoods catalogue, but when i applied about 4 years ago, i had 2 defaults, many late payments and a basic bank account with no o/d. You're searches going back to 2007 won't have any affect on your current credit file status.

Good luck.

kpnut79

davethorp wrote: »

If they do reject you though (like they do quite often with me) try the JD williams group. They accepted me with a £100 limit and it's now £900 and I have a credit card thanks to them too!

Hi Dave,

Out of curiousity which credit card did you get with the help of JD Williams? and how long did you have to wait before applying?

Thanks