Sub Prime Credit Thread Part III

score

never-in-doubt wrote: »

I also applied for this deal with the credit card - Alliance & Leicester version though - got the following:



Will keep you all updated as to what happens, but A&L were the beggars who cifas me last year so should be interesting (they did remove it so they know I am me lol) :beer:

Hi

When you applied for the premier account with the credit card, Just wanted to know if one or two credit searches were undertakern?
Also what CRA was used?

Let us know how you got on with tha application

cheers mate

Alayna

Hi Guys! Listen you gotta read thiz www dot expertcredit dot co dot uk/capital-one-platinum -a Capital One Credit Card Review before finally choosing your beloved credit card.

4littleone

Morning guys,

just wanted to post quickly thanking you for all the info on this and the previous thread.
I was made redundant a few yrs ago and ended up with 3 :eek: CCJs.

No one would touch me with a barge pole which made things awfully difficult, even private renting is next to impossible with that sort of record.

About a year ago I read these threads and applied for a capital one card, I was approved for a classic and I also got a next account as well.
I've worked hard to use them little and often and pay each one in full each month.

I've now just been accepted for a Vanquis card with a £450 limit.

I realise I'm still sub prime and will be until 2013 , but, at least I have found that I can get small amounts of credit and how to use those responsibly. (which is a bit of a lifesaver when your fridge dies the day before Christmas Eve!).

So, many thanks for taking the time to put info on here, although I haven't posted on here before I am a confirmed and grateful lurker. :beer:

never-in-doubt

never-in-doubt wrote: »

Will keep you all updated as to what happens, but A&L were the beggars who cifas me last year so should be interesting (they did remove it so they know I am me lol) :beer:

A&L declined application - proves that they aren't that easy after all lol :rotfl:

score

never-in-doubt wrote: »

A&L declined application - proves that they aren't that easy after all lol :rotfl:

Hi

When you applied for the premier account with the credit card, Just wanted to know if one or two credit searches were undertakern?
Also what CRA was used?


cheers mate

Niteflyer

Hi Score, I applied for that account and got accepted but declined for the CC! They only did one search!

Usually (in my experience with HSBC) an institution will do one search and then the computer willl tell them what services they can offer you!

They searched Experian for me, which is a shame cos if they had searched Equifax I think they would have accepted me for everything! lol

Matt

Innocent_Guy

never-in-doubt wrote: »

A&L declined application - proves that they aren't that easy after all lol :rotfl:

My brother who is ridden with defaults and CCJ's got an A&L account.
They have not given him an O/D though......

I find it funny as his credit is TERRIBLE

* At least 8 linked addresses for the past 3 years
* At least 15 defaults
* DCA's of his case
* CCJ's etc

He applied for a natwest account about 9 - 12 months ago and got accepted.

Servicecard £250 O/D £1300 and pre-approved loan all offered!

No suprise he run his account so badly that they downgraded everything, removed O/D given cashcard LOL

I would like to add that he does earn a good salary over 50k but is just USELESS with budgeting, making payments etc......

Innocent_Guy

score wrote: »

Hi

When you applied for the premier account with the credit card, Just wanted to know if one or two credit searches were undertakern?
Also what CRA was used?


cheers mate

I think it will be two mate as when I applied she put through current account, then clicked on Bureau search then it came back accept....

Then after about 30 mins she applied for CC and clicked Bureau search again...

Innocent_Guy

Niteflyer wrote: »

Hi Score, I applied for that account and got accepted but declined for the CC! They only did one search!

Usually (in my experience with HSBC) an institution will do one search and then the computer willl tell them what services they can offer you!

They searched Experian for me, which is a shame cos if they had searched Equifax I think they would have accepted me for everything! lol

Matt

Hi Niteflyer,

Did you appeal your CC decline?

if so what did they reply saying?

Niteflyer

Innocent_Guy wrote: »

Hi Niteflyer,

Did you appeal your CC decline?

if so what did they reply saying?

I didn't appeal! I was going to but then read on here that very few people have any success with them after appealling!

So I just left it! I have the account now but don't use it!