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Sub Prime Credit Thread Part III

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  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    My bro got accepted for A&L he has at least 5 addresses in the last 3 years, no electorral roll, defaults, etc

    Makes no sence

    They're !!!!!!s. I'm on the Electoral Roll and I only have 2 satisfied defaults. Sod 'em.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    I've made 2 payments now. I haven't ordered anything from them since I made my first order. My limit stands at £150. I made a Direct Debit payment yesterday, my new statement is produced next Tuesday. I would like it to go back to £250.

    I'm waiting for the new Directory.
    It should deffo give you a system increase however depends on the "score" they get from equifax
    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
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    seeya23 wrote: »
    got my Vanquis card now apr is s!!!

    I can imagine, no doubt it's something like 59.9% APR. But it will improve your credit so much, when your CCJ's have gone a mainstream card shouldn't be a problem.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    Why were there 5 searches in the first place?
    Their error, don't know why they did 5...... Image what they get away with to people who dont check there files
    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
  • seeya23
    seeya23 Posts: 2,330 Forumite
    my oh is waiting for the new Directory to come out her limit is £250
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    seeya23 wrote: »
    got my Vanquis card now apr is s!!!
    Mine is like tier D or something lol
    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
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    Right g2g chat later as laptop battery about to die!
    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
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    It should deffo give you a system increase however depends on the "score" they get from equifax

    What amazes is me is the fact nothing has really changed on my credit file, besides the fact I'm finally now on the Electoral Roll with Equifax.
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Right g2g chat later as laptop battery about to die!

    Good night Innocent.
  • seeya23
    seeya23 Posts: 2,330 Forumite
    Mine is like tier D or something lol


    mine is 47.825 % apr
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