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Sub Prime Credit Thread Part III

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  • TheEffect
    TheEffect Posts: 2,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    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:

    How do I use this feature?
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    TheEffect wrote: »
    How do I use this feature?
    Log in and there is a tab at the top
    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
  • Brian1966
    Brian1966 Posts: 1,428 Forumite
    TheEffect wrote: »
    How do I use this feature?
    When you log in to Credit Expert there is a little box which says 'lower my bills'
    Click on it, click credit cards or loans etc then fill in info they ask for. Housing staus, income, bankers etc then see what they offer :beer:
    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,
  • Brian1966
    Brian1966 Posts: 1,428 Forumite
    Log in and there is a tab at the top
    Beat me to it lol
    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,
  • TheEffect
    TheEffect Posts: 2,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I got 3 pre-paid cards.

    Weird, considering I have 3 credit cards. :D
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    Chat later!
    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
  • Brian1966
    Brian1966 Posts: 1,428 Forumite
    TheEffect wrote: »
    I got 3 pre-paid cards.

    Weird, considering I have 3 credit cards. :D
    Sme as me then.. 2 virgin pre-paid and a Bread Maestro :T
    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,
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Brian1966 wrote: »
    Ohh Nice shiny new thread, well done Cif.
    Not been on for a bit, have I missed anything? :confused:

    You promised me Brian Everton would lose, I'm not happy!
  • Brian1966
    Brian1966 Posts: 1,428 Forumite
    sutton111 wrote: »
    You promised me Brian Everton would lose, I'm not happy!
    I was livid that day.
    Can understand Fergies selections with other games to play but that Berbatov penalty aaargh :mad::mad::mad::mad:
    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,
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Just the one ccj - three years old and has been settled 2 years

    Chris what credit do you have? I'm not sure if I've asked you before.
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