Sub Prime Credit Thread Part III

victor-meldrew_4

christhesparky wrote: »

Applied for a halifax current account tonight, declined

That is Halifax, hsbc, and alliance & leicester all declined me in the last 6 months

what are your credit files like,adverse on them?

christhesparky_2

victor-meldrew wrote: »

what are your credit files like,adverse on them?

1 Satisfied CCJ, 3yrs old

otherwise all green 0's

linton73

got a question could someone offer some advice

i paid my mint cc ontime on the day it was supposed to be recieved alls well

i then looked online afew days later to see they had charged me a late fee but then on the same day they credited my account with the late fee i didn't phone or even know about this but they must have realised they made a mistake and refunded it within a few hrs of the intial fee being taken.

am i right in thinking if someone is late this could affect there credit worthyness from other cc is this information passed on and how quickly ?

should i phone to make sure they see this as there mistake not mine or is the correction enough to stop any adverse affect on my credit file

thanks

Innocent_Guy

christhesparky wrote: »

1 Satisfied CCJ, 3yrs old

otherwise all green 0's

You get declined current account for 1 CCJ - HARSH!

Innocent_Guy

linton73 wrote: »

got a question could someone offer some advice

i paid my mint cc ontime on the day it was supposed to be recieved alls well

i then looked online afew days later to see they had charged me a late fee but then on the same day they credited my account with the late fee i didn't phone or even know about this but they must have realised they made a mistake and refunded it within a few hrs of the intial fee being taken.

am i right in thinking if someone is late this could affect there credit worthyness from other cc is this information passed on and how quickly ?

should i phone to make sure they see this as there mistake not mine or is the correction enough to stop any adverse affect on my credit file

thanks

Sometimes it can take 3 days to reach the benificarys account..........

It is more likelt to affect your internal score, i.e less increases ect.

Data of late payments isn't passed to the CRA unless the payment is still "LATE" after the next statement date

christhesparky_2

Innocent_Guy wrote: »

You get declined current account for 1 CCJ - HARSH!

Tell me about it!

I dont even want a cheque book or overdraft, just a bog standard current account with a full visa debit, rather than the electron

thriftymomma

linton73 wrote: »

got a question could someone offer some advice

i paid my mint cc ontime on the day it was supposed to be recieved alls well

i then looked online afew days later to see they had charged me a late fee but then on the same day they credited my account with the late fee i didn't phone or even know about this but they must have realised they made a mistake and refunded it within a few hrs of the intial fee being taken.

am i right in thinking if someone is late this could affect there credit worthyness from other cc is this information passed on and how quickly ?

should i phone to make sure they see this as there mistake not mine or is the correction enough to stop any adverse affect on my credit file

thanks

My credit card seems to update the CRA's about 8 weeks in arrears. Perhaps worth checking your files in a couple of months to see.

Innocent_Guy

christhesparky wrote: »

Tell me about it!

I dont even want a cheque book or overdraft, just a bog standard current account with a full visa debit, rather than the electron

who do you currently bank with?

christhesparky_2

Innocent_Guy wrote: »

who do you currently bank with?

Coop cashminder at the minute

Innocent_Guy

christhesparky wrote: »

Coop cashminder at the minute

Can they not upgrade it on your behaviour score?

What other credit products do you have?