The Sub Prime Credit Thread - Part IV

Miles30

cifpower wrote: »

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.

thanks:beer: cifpower, will wait a bit then. i am however sure i am on the electoral roll. i checked this from my credit reports-got both credit expert and equifax credit watch gold.

Aaron44

Hi all,

Been working on my Vanquis card and a couple of catalogues over the past 3 months to try and get the credit rating back up. I had been refused by Cap1 6 months ago so thought I may as well give it a shot a couple of days ago and reapplied ...

Got the pin through the post today so looks like ive been accepted, wasn't expecting that at all!

seeya23

Aaron44 wrote: »

Hi all,

Been working on my Vanquis card and a couple of catalogues over the past 3 months to try and get the credit rating back up. I had been refused by Cap1 6 months ago so thought I may as well give it a shot a couple of days ago and reapplied ...

Got the pin through the post today so looks like ive been accepted, wasn't expecting that at all!

well done:beer:

wizzywig27

Just been looking over my Experian credit report, it seems none of my JDW accounts are reporting them - they are to Equifax though!

kilasuit

Just received my Aqua PIN just awaiting my card and confirmation on C/L

telecomengineer

Hi Guys

applied to Capital One & Vanquis on the 15th July 09 and they both declined me...I have no CCJs, Defaults, Electoral roll but recently moved in to this house in May 09 and had no credit history...

I have since built up some green 0s and have a £250 limit with Shop Direct 0 balance, Vodafone Contract Mobile, Abbey bank account

How long should I wait to reapply and which one would be best to try do not want to try both again?

seeya23

i would reapply as it.s just over 6 months now as you have to wait 6 months befor you can reapply

Innocent_Guy

telecomengineer wrote: »

Hi Guys

applied to Capital One & Vanquis on the 15th July 09 and they both declined me...I have no CCJs, Defaults, Electoral roll but recently moved in to this house in May 09 and had no credit history...

I have since built up some green 0s and have a £250 limit with Shop Direct 0 balance, Vodafone Contract Mobile, Abbey bank account

How long should I wait to reapply and which one would be best to try do not want to try both again?

As suggested by Seeya I would take the chance and apply again now :beer:

Beccy

How can you check if you are on the electoral roll apart from through a CRA?

tia

Innocent_Guy

Contact your local electoral dept. If you call your council they will transfer you.