Sub Prime Credit Thread Part III

bigbum_2

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!

Dave, what's your credit file like?

seeya23

good afternoon to all

davethorp

kpnut79 wrote: »

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

The accessory card run by sygma is connected with JD williams. I've had my JD account since September last year and just got accessory card last week

davethorp

bigbum wrote: »

Dave, what's your credit file like?

I don't know for defo but there should be at least 1 default and 2 CCJs all unsatisfied on it

victor-meldrew_4

davethorp wrote: »

The accessory card run by sygma is connected with JD williams. I've had my JD account since September last year and just got accessory card last week

they do offer accessory but they are unconnected.
sygma wont base there descission on your jd account .
sygma search EQ
jd william search Experian
perhaps your eq is clean.
obviousley a well run jd account will help your credit files

bigbum_2

davethorp wrote: »

I don't know for defo but there should be at least 1 default and 2 CCJs all unsatisfied on it

Thanks for the info. I'll leave it a few more months before applying.

davethorp

victor-meldrew wrote: »

they do offer accessory but they are unconnected.
sygma wont base there descission on your jd account .
sygma search EQ
jd william search Experian
perhaps your eq is clean.
obviousley a well run jd account will help your credit files

God knows why Sygma approved me then when all the sub primers tell me very nicely to take a running jump off a very high cliff :D

TheEffect

I applied for a £100 overdraft online with HSBC for 7 months (minimum time). I was declined. I don't understand how I can get Aqua, Vanquis, CapitalOne, Littlewoods, o2 contract, but not a £100 overdraft.... weird!

victor-meldrew_4

davethorp wrote: »

God knows why Sygma approved me then when all the sub primers tell me very nicely to take a running jump off a very high cliff :D

check your files.
but it looks like your equifax may be clean.most people you tried probably used experian.
barclaycard initial may well accept you aswell,they check equifax i think

victor-meldrew_4

bigbum wrote: »

Thanks for the info. I'll leave it a few more months before applying.

any luck with the job hunting bigbum ?