The Sub Prime Credit Thread - Part IV

sutton111

Still no card from Capital One

seeya23

did you see the football liverpool played bad :rotfl::rotfl::rotfl::rotfl:

seeya23

my jacamo limit is now at £1900 :eek::eek:

seeya23

never-in-doubt wrote: »

Thanks for that link mate - brilliant. I was wanting to know if you could watch freeview on your PC - never thought i'd get the answer on MSE - thanks mate.

Any other good links, like free sport or movies?

I use pirate city for movies and iraqgoals for footy...

you can always pay for sky lol

ElkyElky

I'm looking at my Experian report and it is reporting incorrect figures for my BOS credit card.

It says it was updated on the 3 Jan. According to that, my last months payment was £499 and the month before, apparently I paid £590 but that is incorrect.

iwantoneplease

I've been working on my credit rating for the past year and wondered if anyone could advise me on what to do next to improve.


I did mention that I had posted this in the wrong place!

never-in-doubt

iwantoneplease wrote: »

I've been working on my credit rating for the past year and wondered if anyone could advise me on what to do next to improve.

Stop spamming with the same post! Once is enough!

My reply is here: http://forums.moneysavingexpert.com/showpost.html?p=28826085&postcount=1019

Look at getting an account with your main bank to get away from subprime and close the sub-prime accounts.

Stop applying as you have a lot of searches - 6 in 6 months/13 a year is classed as borderline with most lenders. More than this and 90% chance of auto-decline as it suggests you're desperate for credit.

Public Info - so you have a CCJ then?

never-in-doubt

ElkyElky wrote: »

I'm looking at my Experian report and it is reporting incorrect figures for my BOS credit card.

It says it was updated on the 3 Jan. According to that, my last months payment was £499 and the month before, apparently I paid £590 but that is incorrect.

Is that the actual balance mate? Sometimes they get mixed in the fields.... it can make you look better in cases lol :rotfl:

ElkyElky

never-in-doubt wrote: »

Is that the actual balance mate? Sometimes they get mixed in the fields.... it can make you look better in cases lol :rotfl:

My balance wasn't £499 last month though so it doesn't add up. The 499 figure just doesn't relate to anything.. it's like they've just randomly selected a number.

Summary of payment history: In the last 16 months of account activity, the number of status 1-2 is 0 and the number of status 3+ is 0
Account Status:

Balance: £589
Payment Amount: £499
Advance Amount: £0

Zack1

seeya23 wrote: »

did you see the football liverpool played bad :rotfl::rotfl::rotfl::rotfl:

:rotfl:

I was out, got a text before we left saying "1 more goal then" (my mate had them to win 2-0) then when I was told they lost I didn't believe my friend haha! It was like 2am though, so wasn't really thinking properly!!