The Sub Prime Credit Thread - Part IV

TheEffect

I got a email from Equifax today advising me a search has been added/deleted (using CapitalOnes credit watch thing) however I have not applied for anything in a while and I have used both my free reports so have to pay if I want to know who searched me... hmm

cifpower

No one may have searched you. It could just be an old search being removed from your file

TheEffect

Oh, that might explain it. I believe a few Equifax searches are to be removed this month. 8 on Experian will be removed this month as well.

sutton111

seeya23 wrote: »

well done
are you off to the shops then

lol

Nah, it's only £200!! :rotfl:

I did christen the card though, I bought a Light Ribena and a cereal bar from the gym. It was £2.10.

cifpower

sutton111 wrote: »

lol

Nah, it's only £200!! :rotfl:

I did christen the card though, I bought a Light Ribena and a cereal bar from the gym. It was £2.10.

Imelda Marcos you ain't!

misty_blue_2

sutton111 wrote: »

Capital One card has arrived!! :j

well done :beer:

Innocent_Guy

How do I access my free capital one reports?

TheEffect

Innocent_Guy wrote: »

How do I access my free capital one reports?

http://www.equifax.co.uk/capitalone/index.html

Miles30

In need of help please! I am very new to credit.Thease are the accounts I have: barclays current acc OD £100 (only 10 months old); barclaycard gold limit £250 (only 8 months old); capital 1 classic limit £200 (7 months old). i also have t -mobile contract (6 months old) and alliance and leicester curr acc which is 6 months old as well. i have no nasties and on electoral roll. my question is: will i get approved for a prime product and which one am i likely to get? any advice will be appreciated. thanks.

cifpower

I would wait until your credit history is at least 12 to 18 months to show future lenders that you can manage your commitments well. It also shows stability which lenders like. Also, double check you are on the electoral roll.