Sub Prime Credit Thread Part III

never-in-doubt

CocoPopsLover wrote: »

afternoon all

Hiya - want a laugh? http://forums.moneysavingexpert.com/showthread.html?t=1278249&page=8

:rotfl::rotfl:

It's N-i-D vs The Moral Crusaders again!

TMoose

Hi All

Just a quick question.. How long does a default actually affect your credit rating.

I have a default on file that will drop off in March 2011. So in April 2011 will I be able to apply for "Excellent" rated credit cards, since by that stage all I would have is a current account and Halifax Classic card with a lovely string of zeroes going back as far as the eye could see?

Also, if I (fully) settle the defaulted account early, will this still remain on my credit file for another 6 years as a closed account (with default)?

Thanks in Advance

Moose

seeya23

Afternoon !!

cifpower

starM wrote: »

Hi, Does anyone know which banks will not require previous add when lived at current for 2 years?

First Direct only ask for two

cifpower

TMoose wrote: »

Hi All

Just a quick question.. How long does a default actually affect your credit rating.

I have a default on file that will drop off in March 2011. So in April 2011 will I be able to apply for "Excellent" rated credit cards, since by that stage all I would have is a current account and Halifax Classic card with a lovely string of zeroes going back as far as the eye could see?

Also, if I (fully) settle the defaulted account early, will this still remain on my credit file for another 6 years as a closed account (with default)?

Thanks in Advance

Moose

The default drops off 6 years after first being registered - settled or not

UncleSimit

Klingon_53 wrote: »

4th month with Cap 1 just recieved my credit increase now I have £200 OVERCOME WITH EMOTION

Know the feeling, was the same for me last month :mad:.

seeya23

has yours gone up to £200 or £300

CocoPopsLover

never-in-doubt wrote: »

Hiya - want a laugh? http://forums.moneysavingexpert.com/showthread.html?t=1278249&page=8

:rotfl::rotfl:

It's N-i-D vs The Moral Crusaders again!

What are you like, lol

seeya23

CocoPopsLover wrote: »

What are you like, lol

about 5 10 do you want more :rotfl::rotfl::rotfl::rotfl:

duggie1982

never-in-doubt wrote: »

Hiya - want a laugh? http://forums.moneysavingexpert.com/showthread.html?t=1278249&page=8

:rotfl::rotfl:

It's N-i-D vs The Moral Crusaders again!

I would have lost it by now :rotfl: