📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Sub Prime Credit Thread Part III

Options
1515516518520521804

Comments

  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Parki wrote: »
    Ive just applied online just to see and I got accepted also. I havent phoned to check my credit limit as I am not sure its in the bag yet for me until the card drops through the door.

    I got the congratulations your applications has been accepted bit and your card will arrive in 7-10 days.


    Ring mate - tell us the limit! Its 100% guaranteed matey - well done!
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Parki wrote: »
    Well I got accepted for now so I may be in with a chance then.

    Whats your equifax file like then?

    I have had 3 searches in the last 6 months including this one and no late payments in the last 6 months but I have had 2 late payments in the last year

    I called them up and they have said that I have not met the criteria so its been sent to underwriting to double check but it will be declined. So I was like then why didnt the system just say no? And the man was on the phone chatting !!!!!!!! but basically i know im getting a 'im sorry.....' letter in the post

    Nothing seems to be wrong with my file but maybe the 2 late payments were an issue!

    Hmmmm
    'Sometimes you just need to keep your mouth shut'
    :j
  • Parki_2
    Parki_2 Posts: 570 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    Parki - me thinks you owes me a beer! I must have had some say in you getting this account LOL :rotfl::rotfl::rotfl:

    Well I have not got it yet, the card has not come! What are these like Mr Nid? Likely to check further or is that it now?

    Well I already owe you more than a few beers so one more wont hurt ;p

    I think the removal of the marker would have helped as I know it was on my Equifax and Experian reports. I know I have the 2 defaults on my Experian but I am still waiting for my equifax report to arrive. Any idea how long these take?
  • Parki_2
    Parki_2 Posts: 570 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    I have had 3 searches in the last 6 months including this one and no late payments in the last 6 months but I have had 2 late payments in the last year

    I called them up and they have said that I have not met the criteria so its been sent to underwriting to double check but it will be declined. So I was like then why didnt the system just say no? And the man was on the phone chatting !!!!!!!! but basically i know im getting a 'im sorry.....' letter in the post

    Nothing seems to be wrong with my file but maybe the 2 late payments were an issue!

    Hmmmm

    It must have been due to the late payments in the last year then? I have had 3 searches on my Experian but I would imagine it would be less on my equifax report.
  • Parki_2
    Parki_2 Posts: 570 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    Ring mate - tell us the limit! Its 100% guaranteed matey - well done!

    I am not convinced ;p Im a cynic! I am desperate to know though. I would be happy whatever as long as its more than the £250 Vanquis gave me. Hopefully will match my £1000 cap one then I would be happy :)
  • Parki wrote: »
    It must have been due to the late payments in the last year then? I have had 3 searches on my Experian but I would imagine it would be less on my equifax report.

    I thinkon my experian I have had about 8 searches in the past 6 months, and equifax its 4 in the past year!

    Maybe, I should be limiting the amount of searches I do, i really should so I dont even know why i applied to them anyway, lol

    I made an appeal with aqua so if they check my credit file again, i dont want them to see loads of searches, lol
    'Sometimes you just need to keep your mouth shut'
    :j
  • seeya23
    seeya23 Posts: 2,330 Forumite
    Parki wrote: »
    I am not convinced ;p Im a cynic! I am desperate to know though. I would be happy whatever as long as its more than the £250 Vanquis gave me. Hopefully will match my £1000 cap one then I would be happy :)

    just phone them
  • Parki_2
    Parki_2 Posts: 570 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    Maybe, I should be limiting the amount of searches I do, i really should so I dont even know why i applied to them anyway, lol

    Although if you do not try you dont get. I am going to not search on experian until my defaults drop off so I can go for a mainstream card of my choice then.

    I am tempted to apply with RBS who I bank with though. But I will wait till next year so I will have a clean credit file and internal score.
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Parki wrote: »
    Although if you do not try you dont get. I am going to not search on experian until my defaults drop off so I can go for a mainstream card of my choice then.

    I am tempted to apply with RBS who I bank with though. But I will wait till next year so I will have a clean credit file and internal score.

    Just ring them mate - you've got it, no decline now! Just ring and get limit and apr lol

    Regards to defaults, they drop off next year right? Dont apply to RBS til they have gone as they will decline you, same scenario as me mate - and my defaults aren't even mine! lol (incorrect link)
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Parki_2
    Parki_2 Posts: 570 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    Just ring them mate - you've got it, no decline now! Just ring and get limit and apr lol

    Regards to defaults, they drop off next year right? Dont apply to RBS til they have gone as they will decline you, same scenario as me mate - and my defaults aren't even mine! lol (incorrect link)

    Well they are shut now so I will phone up tomorrow promise :)

    Yeah I am gonna try and wait till May for those defaults but ive got itchy fingers. Although if that card comes I have plenty to keep me going I suppose.
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.1K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244.1K Work, Benefits & Business
  • 599K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.