catalogue accounts

never-in-doubt

stikiuk wrote: »

I have just been turned down by 2

i thought naybe it was as i'm not in full time employment ? As the only other thing on my credit file are 3 late payments

thats your answer mate

As the only other thing on my credit file are 3 late payment

stikiuk

never-in-doubt wrote: »

thats your answer mate

As the only other thing on my credit file are 3 late payment

I didn't realise late payments would have that much of an effect (they were onl a couple of days late )
How long will these effect me for
Thnx x

never-in-doubt

stikiuk wrote: »

I didn't realise late payments would have that much of an effect (they were onl a couple of days late )
How long will these effect me for
Thnx x

12mths..... although experian keep it for 6yrs it shouldn't be used after a year. were they consecutive or random missed payments? if consecutive then ooops..... :eek:

p.s. yes, has a very bad effect as Rose will vouch when she see's this lol...

debtdestroyer007

never-in-doubt wrote: »

thats your answer mate

As the only other thing on my credit file are 3 late payment

TBH if they are recent, i would say a minimum od 12 months, correct me if i am wrong NID

debtdestroyer007

:rotfl:ooops u hve already answered before i finished typing....... no wonder you have racked up 3488 posts!!!!!!

lol

never-in-doubt

debtdestroyer007 wrote: »

:rotfl:ooops u hve already answered before i finished typing....... no wonder you have racked up 3488 posts!!!!!!

lol

haha :beer:

Rose123

never-in-doubt wrote: »

12mths..... although experian keep it for 6yrs it shouldn't be used after a year. were they consecutive or random missed payments? if consecutive then ooops..... :eek:

p.s. yes, has a very bad effect as Rose will vouch when she see's this lol...

Yes, I vouch for this, I had 2 in a row 6 months ago, still causing an issue

Rose123

Brian1966 wrote: »

So after a year or 2 of catalogue usage my bank manager may invite me for lunch :rotfl:

That'll be the day, lol

debtdestroyer007

rose, does it show in both experian and equifax, because, in the short term you could target the agency with no lates showing?

never-in-doubt

debtdestroyer - please can you do me a fave and stop pitching the silly cards. If you continue then i'll disassociate myself from you because your recent actions are causing concern. Neither the Barclays Platinum nor the Cash Plus was suited in either case and you;re sounding like a spammer.

friendly advice. Up to you how you take it.