The Sub Prime Credit Thread - Part IV

fairmorn308

ElkyElky wrote: »

Once you're debt free, wait a month or two so your recent payments will be reflected on your credit report, then check your report with the three credit reference agencies so make sure there is no nasties at all on there and everything is updated.

It may also help to have at least one active credit card so your report will continue to get those needed green 0's.

Once you are satisfied that your credit report looks lovely and sparkling clean, just go ahead and apply. If you get declined then focus on building up some more of those precious green 0's. You have nothing to loose.

thank you

Well i will have to wait a wee while to build up a good deposit aswell

misty_blue_2

kilasuit wrote: »

Just been accepted for the Aqua Card. Not sure of C/L yet as gotta send in CCA. but its a step in the right direction

well done :beer::beer:

paulmcerlean

applied yesterday for a vanquis card. told i'd hear in 7-10 days - checked experian, and still no credit check - is this normal?

wizzywig27

just applied for a Post Office home phone (£12 a month) and they said they do a full credit check, is this actually a full credit check or just an unrecorded search?

Zack1

paulmcerlean wrote: »

applied yesterday for a vanquis card. told i'd hear in 7-10 days - checked experian, and still no credit check - is this normal?

I'd guess so, most seem to come up a few days later, maybe Experian's records haven't updated, even if you were searched yesterday.

wizzywig27 wrote: »

just applied for a Post Office home phone (£12 a month) and they said they do a full credit check, is this actually a full credit check or just an unrecorded search?

I'd guess so, like a mobile phone contract, because you could run up a massive bill, plus although £12 isn't much they will want to check you will be able to pay at least the basic amount off

ElkyElky

paulmcerlean wrote: »

applied yesterday for a vanquis card. told i'd hear in 7-10 days - checked experian, and still no credit check - is this normal?

Yes, this is normal. Credit checks can sometimes take a few days to appear on your credit report, so they may have already done it but it is not showing yet.

wizzywig27

I also made a schoolboy, my JD Williams account minimum payment was due on the 2nd, I didnt realise (it is normally the 4th), anyway I went to pay it last night and it was due, so I paid it but obviously it was late, will they report this even though it was 2 days late? I really hope not as it was just a genuine mistake :-(

seeya23

wizzywig27 wrote: »

I also made a schoolboy, my JD Williams account minimum payment was due on the 2nd, I didnt realise (it is normally the 4th), anyway I went to pay it last night and it was due, so I paid it but obviously it was late, will they report this even though it was 2 days late? I really hope not as it was just a genuine mistake :-(

wait to see if they add a £12 fee to your account why not give them a call

wizzywig27

seeya23 wrote: »

wait to see if they add a £12 fee to your account why not give them a call

It wasnt there last night ill phone them later I guess, see if they will charge me! In fact I shall call them now

duggie1982

never-in-doubt wrote: »

Same account mate, just scored differently - you need to ring and ask for a full card i.e. a cheque guarantee one. They will either say yes or no.

Phoned them and explained to the guy that I needed the CGC so I can pay at pump etc. He seemed to know what I was talking about and sent one out. Will see if its the correct one or just a replacement.