Sub Prime Credit Thread Part III

never-in-doubt

Well I applied to HSBC for a loan the other day - they said if I go in branch with my most recent credit file, they'll agree it!

I dont need it, just thought i'd test the water but may go the whole hog and see if they keep to their word! £15k over 3 years! APR offered 10.9% at the time (we'll see if it materialises).....

I'll update once I get my credit file to branch!

PARIS_5000

Update

I have been accepted for the New Look store card .

Big thank you to Never in doubt for the advice.

never-in-doubt

PARIS_5000 wrote: »

Update

I have been accepted for the New Look store card .

Big thank you to Never in doubt for the advice.

Excellent - did you have to appeal or did it go through after the weekend then? Thats good - well done! (what limit/apr then?) :j

* Is it issued by the old GE Money lot (Santander?)

PARIS_5000

never-in-doubt wrote: »

Excellent - did you have to appeal or did it go through after the weekend then? Thats good - well done! (what limit/apr then?) :j

* Is it issued by the old GE Money lot (Santander?)

No appeal I just called them for update and was told that I was accepted. The card is issued by Ikano Financial Services and the APR is 28.9% which does not matter because I will pay in full.

The credit limit is only 100 pounds but I think that a starter credit limit.

Innocent_Guy

never-in-doubt wrote: »

Mate tell em to keep it and get the HSBC card now

I wish! I have too many searches for HSBC to accept me (Well at least with my low bs anyway!)

Cap one declined me a few months ago and on my appeal letter it says because of my financial links ( Now removed )

Should I re-apply?

Innocent_Guy

noah271007 wrote: »

Congratulations Innocent! Im happy that you've succeeded, there's hope out there for sub prime hopefuls!

Thanks Buddy! There is light at the end of the tunnel!

Innocent_Guy

never-in-doubt wrote: »

Well I applied to HSBC for a loan the other day - they said if I go in branch with my most recent credit file, they'll agree it!

I dont need it, just thought i'd test the water but may go the whole hog and see if they keep to their word! £15k over 3 years! APR offered 10.9% at the time (we'll see if it materialises).....

I'll update once I get my credit file to branch!

Well done! Let me know how you get on.
I really need to improve my HSBC BS as they do look after the customers whos score is good

Innocent_Guy

PARIS_5000 wrote: »

Update

I have been accepted for the New Look store card .

Big thank you to Never in doubt for the advice.

Congrats mate!

Innocent_Guy

I found out why my Aqua app reffered.

* Home phone number
* Bank Details
* Undisclosed linked address

Landline Number
I am really impressed that they spotted my landline number had changed. I used my old one that I have used on all previous apps as I did not want to flag n hunter lol

Bank Account
They wanted to confirm that it wasn't a joint bank account? And that it was my details?

Linked Address
I moved some credit accounts to another address ( Temp ) then moved back home. This created a link (Genuine one though) so when it asked for time at address I said 11 years when if you look at time from when I moved my accounts back its like 2 months lol

never-in-doubt

And have they overturned it mate?

p.s. phone number doesnt affect general credit scores so that was a lie lol.....