Sub Prime Credit Thread Part III

selecta_c

tannedsam2008 wrote: »

Yey!!! Just been approved by Vanquis - incredible considering i still have 2 defaults!!!! :j:j

Congratulations :T use wisely.

tannedsam2008

cifpower wrote: »

Congratulations! Any word about the limit or APR?

Yeah, 250 limit but APR is huge at around 58% !!!!!

jazzyjay10

hi all new to forum wondering if any of you can help me.

for the past few months ive been applying for credit cards. catalouges, etc etc, all of which are declined,

i was getting preety fed up with being declined so i signed up with credit expert to view my credit report and to my shock they said they couldnt find it and that lenders also might have that problem. also the same happend when i signed up to annual credit report. i did have a credit report because ive viewed it before and i have a credit accont with next. the last time i checked i also had 1 default. information you should know i also moved house 9 months ago and have just been put on electoral role for my new address. just want to know if any of you have any problem like this or if you know what is going on.

selecta_c

tannedsam2008 wrote: »

Yeah, 250 limit but APR is huge at around 58% !!!!!

Scary aint it....:eek:

sutton111

tannedsam2008 wrote: »

Yey!!! Just been approved by Vanquis - incredible considering i still have 2 defaults!!!! :j:j

How old are your defaults?

fairmorn308

Evening troops

Am on a fastcat ferry at moment in norway and just thought would give ya a quick update. Deleted all my pin numbers for my cards to stop me spending any money on them in the next month am away.

londonuk2008

Cool Norway!

londonuk2008

jazzyjay10 wrote: »

hi all new to forum wondering if any of you can help me.

for the past few months ive been applying for credit cards. catalouges, etc etc, all of which are declined,

i was getting preety fed up with being declined so i signed up with credit expert to view my credit report and to my shock they said they couldnt find it and that lenders also might have that problem. also the same happend when i signed up to annual credit report. i did have a credit report because ive viewed it before and i have a credit accont with next. the last time i checked i also had 1 default. information you should know i also moved house 9 months ago and have just been put on electoral role for my new address. just want to know if any of you have any problem like this or if you know what is going on.

Welcome aboard - someone will be along shortly who can advise - have the credit ref agency got your right postcode and address , for example what the post office have listed , something similar happened years ago to me.

jazzyjay10

londonuk2008 wrote: »

Welcome aboard - someone will be along shortly who can advise - have the credit ref agency got your right postcode and address , for example what the post office have listed , something similar happened years ago to me.

when i first moved in around 9 months ago it was not listed with post office at all so i got in touch with post office and they added it to there database, this was all done in june and they said it could take a month or 2 to filter through to companys database. im guessing now that it hasnt filtered through to the CRA. this might be the problem im having getting credit.

londonuk2008

maybe , if you have a letter from the posy office send a copy to the C.R.A's - or if you have a letter from the council for the E/roll - this should be proof.