Sub Prime Credit Thread Part III

victor-meldrew_4

TheEffect wrote: »

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!

perhaps your searches are mounting up effect.the o/d will be another.or just the amount of apps in short space of time.

davethorp

victor-meldrew wrote: »

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

They told me to sod off last week!

I would check my files but I don't believe in giving money to companies that compile information about you without your permission based on little more than hearsay

victor-meldrew_4

davethorp wrote: »

They told me to sod off last week!

I would check my files but I don't believe in giving money to companies that compile information about you without your permission based on little more than hearsay

i agree with you.but for the same reason you gave,wouldnt you want to keep an eye on what information those people put about you.incase it was wrong

davethorp

I get a free credit report every year from annual credit report. Last time I got that it picked up a default that Lloyds TSB has been ordered to remove by a judge so I then managed to get that removed (and £100 compo as well).

Every year for free is enough for me (though with all the credit accounts I have recently got I expect loads of green zeros on my next one)

EDIT oh and a green (1) from JD for one month grrrrrr

victor-meldrew_4

davethorp wrote: »

I get a free credit report every year from annual credit report. Last time I got that it picked up a default that Lloyds TSB has been ordered to remove by a judge so I then managed to get that removed (and £100 compo as well).

Every year for free is enough for me (though with all the credit accounts I have recently got I expect loads of green zeros on my next one)

EDIT oh and a green (1) from JD for one month grrrrrr

green 1?....

davethorp

Missed one payment (caught up now). Are they green?? Or does a 1 have a different colour??

bigbum_2

victor-meldrew wrote: »

any luck with the job hunting bigbum ?

Hey V-M .

I'm not actually job-hunting. The agencies i'm with don't have any work at the mo, so i'm living off my (meagre) savings. Currently watching TMF Uk top 40 run-down. LOL

How's trix? You at work right now?

x

mumofboys_2

Hi All. I think I have made an almighty muck up. New Cap1 card with small £100 limit. Last month all was fine, Month 2 I paid for an online sub in dollars, and then some petrol. Clearly my dollars conversion was off, and I went £3 over my limit. Charged £12 over limit fee... I only noticed today - this happened a week ago, but didn't think I was over, so hadn't checked. I have immediately paid £20 to bring me back under limit, but I am worried I have mucked up any chance of a limit increase etc. Has anyone any thoughts as this was a genuine mistake....

MOB

TheEffect

mumofboys wrote: »

Hi All. I think I have made an almighty muck up. New Cap1 card with small £100 limit. Last month all was fine, Month 2 I paid for an online sub in dollars, and then some petrol. Clearly my dollars conversion was off, and I went £3 over my limit. Charged £12 over limit fee... I only noticed today - this happened a week ago, but didn't think I was over, so hadn't checked. I have immediately paid £20 to bring me back under limit, but I am worried I have mucked up any chance of a limit increase etc. Has anyone any thoughts as this was a genuine mistake....

MOB

They usually don't increase the limit on the 4th statement for people who went over their limit during the first 4 months. You might want to ring and explain to them.

mumofboys_2

Thanks Effect. I am trying to get through now.