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Sub Prime Credit Thread Part III

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  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    Brian1966 wrote: »
    On Experian, Credit Expert they are offering to link you to cards etc that based on your credit report you should be accepted for.
    I did mine earlier, and based on report, plus income and bank details I expected something half decent.
    It came back with 3 pre-paid cards and a choice of Vanquis which I have or Capital one.
    Not a mainstream in sight yet all of my accounts are in very good order and no searches from lenders on there in last 6 months :mad:
    I notcied........ I am sure it is just another money making scam
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • christhesparky_2
    christhesparky_2 Posts: 355 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    Innocent_Guy wrote: »
    How mad, I got declined capital one but accepted for HSBC O/D

    Maybe its my ccj spoiling it for me,

    Was initially accepted for jjb card, but then declined the next day? that was weird
    Last Cigarette 24/6/09
  • TheEffect
    TheEffect Posts: 2,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    claire6hy wrote: »
    i have college tomorrow booooo

    Are you a student (18ish) or mature student (adult)?
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    christhesparky wrote: »
    Maybe its my ccj spoiling it for me,

    Was initially accepted for jjb card, but then declined the next day? that was weird
    Oh ok! Any other naughties?
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    TheEffect wrote: »
    Are you a student (18ish) or mature student (adult)?
    Claire is a HOT student
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • claire6hy
    claire6hy Posts: 967 Forumite
    TheEffect wrote: »
    Are you a student (18ish) or mature student (adult)?


    im a 22 year old single mum, but iw ouldnt say im mature :D
    THANK MEEE:j
  • christhesparky_2
    christhesparky_2 Posts: 355 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    Innocent_Guy wrote: »
    Oh ok! Any other naughties?


    Just the one ccj - three years old and has been settled 2 years
    Last Cigarette 24/6/09
  • Brian1966
    Brian1966 Posts: 1,428 Forumite
    Innocent_Guy wrote: »
    I notcied........ I am sure it is just another money making scam
    It probably is.. Bloody annoying though that after paying everything on time for so long and having reasonable limits they obviously dont rate me as worthy of anything..
    Bas**rds.. pay them £6.99 a month to be insulted lol:rolleyes:
    Natwest gold..Limit £1750 bal £970..Vanquis Limit £3000 bal £0..Littlewoods..Limit £1200 bal 0..Additions direct..Limit £4900 bal £1356..Empire Limit £6200 bal £152..Jd williams..Limit £1100 bal £130..Simplybe..Limit £1500 bal 265,,Fashion world..Limit £1400 bal £145 Jacamo..Limit£125 bal 0
    Next..Limit £?? bal £0 Asda..limit £1250 bal £440,
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    christhesparky wrote: »
    Just the one ccj - three years old and has been settled 2 years
    Cool.............
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    Brian1966 wrote: »
    It probably is.. Bloody annoying though that after paying everything on time for so long and having reasonable limits they obviously dont rate me as worthy of anything..
    Bas**rds.. pay them £6.99 a month to be insulted lol:rolleyes:
    How annoying!!!!!
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
This discussion has been closed.
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