Sub Prime Credit Thread Part III

Bosie

never-in-doubt wrote: »

Studio is an exception because it is primarily a christmas / seasonal goods club so you may have it dormant for a while and is expected.

Most catalogues make account dormant and then you kinda reapply, like a mini application.... this basically is an excuse for them to do a CRA on you.

Yes, very true my friend left an Empire catalogue dormant, she then phoned up to do an order and they said we will have to do a fresh credit check:eek: Because her circumstances had changed she got a decline!

UncleSimit

I just got a report from Equifax having only been getting them from Experian for awhile. On review of it I was pretty shocked/confused to see my three year old, settled default is no longer showing with them . In a way it kind of made sense as why else would O2 have accepted me for 2 contracts with them within 6 months.

Now, with my credit file being not bad/pretty good if you don't include the default and a few late payments, I couln't help but apply for Flybe as I know they only search with EQ. Although as usual I received the "we will write to you with a decision" quote. I was also tempted to try for a Barclaycard ( think I'm going to join the SOS club soon) but didn't see any major benefits over my Capital One Classic.

Here's to hoping for an acceptance letter from Flybe anyway.....:o

bigbum_2

Ok, well that's put me in my place. Just been turned down for a catalogue account.

As of now, no more applications. I'm gonna wait out for another 4 months before applying again.

Edit : Sorry, i forgot to thank you guys for the info you provided above.

Brian1966

bigbum wrote: »

Ok, well that's put me in my place. Just been turned down for a catalogue account.

As of now, no more applications. I'm gonna wait out for another 4 months before applying again.

Who did you apply to?
Which is your better credit file?
Littlewoods, Empire etc use Equifax..
Grattan, Freemans etc use Experian.
Alternatively just open another with Jd williams group for green zero's :beer:

never-in-doubt

bigbum wrote: »

Ok, well that's put me in my place. Just been turned down for a catalogue account.

As of now, no more applications. I'm gonna wait out for another 4 months before applying again.

with who?

never-in-doubt

Brian1966 wrote: »

Who did you apply to?
Which is your better credit file?
Littlewoods, Empire etc use Equifax..
Grattan, Freemans etc use Experian.
Alternatively just open another with Jd williams group for green zero's :beer:

Just look at the sig and you'll see like I do that it must be equifax! they all report to equifax, only 4 report to Experian LOL

With the DCA though, hmmmm - problem maybe...

Innocent_Guy

How can you get Aqua, capital one, Vanquis but not a catalogue?

Ridiculous..........

bigbum_2

Someone earlier posted they were accepted for Great Universal. I got a rush of blood to the head and just went for it :rolleyes:.

Never mind...

duggie1982

Lov my new official SOS Club sig!! Cheers Innocent

Innocent_Guy

duggie1982 wrote: »

Lov my new official SOS Club sig!! Cheers Innocent

NP - Just hope we can all stick to it!