Sub Prime Credit Thread Part III

bigbum_2

claire6hy wrote: »

just bought a trampoline thru additions and they put my limit up to 400

What's your credit file like, if you don't mind me nosing?

TheEffect

My o2 account was added to Experian today. I've now got 5 active accounts (will have 6 when littlewoods start reporting). I've got 10 searches in the last 3 months though, so really need to ride out the 3-6 month wait and hopefully my credit report will look half decent.

Brian1966

bigbum wrote: »

What's your credit file like, if you don't mind me nosing?

Did you manage to ring Great Universal to appeal?
Just read on earlier pages that Sutton got his account with Freemans after being declined online.
Worth a try and good luck if you do :beer:

bigbum_2

Brian1966 wrote: »

Did you manage to ring Great Universal to appeal?
Just read on earlier pages that Sutton got his account with Freemans after being declined online.
Worth a try and good luck if you do :beer:

Hey Brian.

I was gonna call, but when i checked their website for a contact number, i saw they also offer loans. So stupidly i applied online for it, and lo, was rejected :rolleyes:.

So no i haven't called them :cool:

sutton111

I applied for Capital One and I got 3 green ticks, I'm not sure what that means then it said they will write to me within 7 days.

I won't hold my breath I expect a decline because I defaulted before. :rolleyes:

Brian1966

bigbum wrote: »

Hey Brian.

I was gonna call, but when i checked their website for a contact number, i saw they also offer loans. So stupidly i applied online for it, and lo, was rejected :rolleyes:.

So no i haven't called them :cool:

The loans are provided by Bank of Scotland HBOS so possibly a lot stricter than the criteria for a catalogue.
You probably stand a reasonably good chance of getting last nights decision overturned even iif a small limit to start :beer:

bigbum_2

sutton111 wrote: »

I applied for Capital One and I got 3 green ticks, I'm not sure what that means then it said they will write to me within 7 days.

I won't hold my breath I expect a decline because I defaulted before. :rolleyes:

Good luck me old china :beer:

Hopefully, you'll and convert those green 'ticks' into green 'o's instead. :T

sutton111

bigbum wrote: »

Good luck me old china :beer:

Hopefully, you'll and convert those green 'ticks' into green 'o's instead. :T

I know.

I'm not going to hold my breath, but, I really hope so!!

Brian1966

sutton111 wrote: »

I applied for Capital One and I got 3 green ticks, I'm not sure what that means then it said they will write to me within 7 days.

I won't hold my breath I expect a decline because I defaulted before. :rolleyes:

Read a post on this forum a few weeks back where a previous 'defaulter' got a new account with a good limit, not sure but somewhere around £1000
Congrats on your Freemans account by the way :beer:

bigbum_2

Brian1966 wrote: »

The loans are provided by Bank of Scotland HBOS so possibly a lot stricter than the criteria for a catalogue.
You probably stand a reasonably good chance of getting last nights decision overturned even iif a small limit to start :beer:

Thanks for the info. I'll give 'em a call tomorrow

How's things with you?