Sub Prime Credit Thread Part III

sutton111

Innocent_Guy wrote: »

What a pain in the as$

TBH you can't do direct upgrades with alot of banks.

I know Co-op Natwest, RBS, Barclays, and Halifax don't allow direct upgrades from their basic accounts to full accounts.

I know Abbey do and I think HSBC do allow 'direct upgrades'.

System

Hello all

Part III eh? This must be one of the most successful threads on the whole forum!

Hope everyone is good, and have resisted the temptation to apply, apply, apply!

UNDERGROUND

christhesparky_2

Innocent_Guy wrote: »

What did sygma cifas you?

Aqua are the better lender

Was accepted online for a jjb card, never recieved the card, when i rang them was told that the account had been closed,
shows up on my credit file as started 1 day, and closed the next, no cifas though!

sutton111

christhesparky wrote: »

Got a letter from the local council saying i will be on from may, how long before credit file gets updated with this?

It will be the middle of July.

You could e-mail Experian with a scanned copy of the letter you received from the Council and they will add you sooner.

Equifax won't allow thi,s they have to be told by the County Council before they will add you.

Innocent_Guy

sutton111 wrote: »

TBH you can't do direct upgrades with alot of banks.

I know Co-op Natwest, RBS, Barclays, and Halifax don't allow direct upgrades from their basic accounts to full accounts.

I know Abbey do and I think HSBC do allow 'direct upgrades'.

WOW, I thought ALL banks offered direct upgrade

linton73

Innocent_Guy wrote: »

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

so although they realised there mistake and corrected it
and they did get the payment by the due date

it will still be seen as a late fee ?

hmmmmm

sutton111

UNDERGROUND wrote: »

Hello all

Part III eh? This must be one of the most successful threads on the whole forum!

Hope everyone is good, and have resisted the temptation to apply, apply, apply!

UNDERGROUND

Pity some of the other 'regulars' have disappeared.

How are you UNDERGROUND?

Innocent_Guy

UNDERGROUND wrote: »

Hello all

Part III eh? This must be one of the most successful threads on the whole forum!

Hope everyone is good, and have resisted the temptation to apply, apply, apply!

UNDERGROUND

Already!!!!

We are all still battling the apply syndrome

sutton111

Innocent_Guy wrote: »

WOW, I thought ALL banks offered direct upgrade

No hardly any. You have to apply separately.

Innocent_Guy

christhesparky wrote: »

Was accepted online for a jjb card, never recieved the card, when i rang them was told that the account had been closed,
shows up on my credit file as started 1 day, and closed the next, no cifas though!

oooooooooo, they give any reason why they closed it?