Sub Prime Credit Thread Part III

seeya23

good evening to all

seeya23

TheEffect wrote: »

What can I apply for? Might as well rack up more searches. I've got about 30 now, so at some point I'm going to need to stop for 12 months to get rid of them all, so I might as well rack all of them up in one go then stop completely.

like what are you going to apply for

Innocent_Guy

TheEffect wrote: »

What can I apply for? Might as well rack up more searches. I've got about 30 now, so at some point I'm going to need to stop for 12 months to get rid of them all, so I might as well rack all of them up in one go then stop completely.

Dude is it worth it? I was going to do this but then realised it is not worth it. TBH if you did get declined for Jacamo (doubt yout did) this means that your score/risk is in a seriously bad way........

Just lay of the searches, build a establised credit profile ( 18 months min ) and then you will be on your way to mainstream.

Being only 18 has its draw backs as your credit file is thin.

TheEffect

Innocent_Guy wrote: »

Dude is it worth it? I was going to do this but then realised it is not worth it. TBH if you did get declined for Jacamo (doubt yout did) this means that your score/risk is in a seriously bad way........

Just lay of the searches, build a establised credit profile ( 18 months min ) and then you will be on your way to mainstream.

Being only 18 has its draw backs as your credit file is thin.

Lack of credit history is the only thing that stops me from getting credit. 8 active accounts all reporting green 0's, however at most, they only have 6 green marks.

I know I need to lay off the searches... hmm

sutton111

Innocent_Guy wrote: »

Dude is it worth it? I was going to do this but then realised it is not worth it. TBH if you did get declined for Jacamo (doubt yout did) this means that your score/risk is in a seriously bad way........

Just lay of the searches, build a establised credit profile ( 18 months min ) and then you will be on your way to mainstream.

Being only 18 has its draw backs as your credit file is thin.

That's a very good piece of advice.

sutton111

Innocent_Guy wrote: »

Dude is it worth it? I was going to do this but then realised it is not worth it. TBH if you did get declined for Jacamo (doubt yout did) this means that your score/risk is in a seriously bad way........

Just lay of the searches, build a establised credit profile ( 18 months min ) and then you will be on your way to mainstream.

Being only 18 has its draw backs as your credit file is thin.

I think Next are mucking around with everybody's credit limits at the moment Innocent. They have mucked mine around and my Dad's too.

seeya23

sutton111 wrote: »

I think Next are mucking around with everybody's credit limits at the moment Innocent. They have mucked mine around and my Dad's too.

what next done to your limit sutton and what your was limit

sutton111

seeya23 wrote: »

what next done to your limit sutton and what your was limit

It isn't just mine. I think quite a few people have had their limits mucked about with.

I had £80.00 available to spend last Thursday, it's now £40.00.

I know Cif's limit has gone down to £0.00 too.

seeya23

my wife next acc is ok still got £217 to spend

sutton111

seeya23 wrote: »

my wife next acc is ok still got £217 to spend

Very odd. Have a look at the the catalogue thread there are quite a few people on there who have had £0.00 to spend.