The Sub Prime Credit Thread - Part IV

RICK..._2

Ahh..

I have actually been trying to get my score up for the last few months, it was mid 700's this time last year.. so been trying to get it back up to that again and more lol..

Think i'll cancel them at the end of this month!

Zack1

RICK... wrote: »

Ahh..

I have actually been trying to get my score up for the last few months, it was mid 700's this time last year.. so been trying to get it back up to that again and more lol..

Think i'll cancel them at the end of this month!

Yep def cancel. Have you seen a copy of your actual report? Get that instead and have a look through it. Check the information is correct and the repayment history, then think would you lend to yourself if you were a bank. Problem is probably going to be the defaults (assuming you haven't missed payments), once they are gone it should be a lot better.

Only problem in thinking would you lend to yourself is that I would lend to myself (nothing wrong with my record!) but the Halifax & Natwest clowns seem to think otherwise :mad: That's because I'm a student though, and I can see why they don't lend to students! I saw my mate take £100 out of a cash machine on a credit card the other day!! Student loans have came through, so could've used debit easily, but didn't understand, luckily understood and paid it all back so won't have too much in fees, but a lot of people don't understand at all!

Cash_Flow

RICK... wrote: »

I'm getting annoyed - credit score last month was 499 now it's gone down to 492 and I haven't even applied for anything and all my accounts are up to date :mad:

Also I can't log into my Jdwilliams or Jacamo accounts, going to ring them to find out why.

Maybe your balances have increased?

Cra's credit scores are only a rough indication of your credit status mate.

cifpower

Has anyone else got a problem signing into Jacamo/Premier Man/JD Williams? It says my details are wrong.

wayne99

mines doing the same

cifpower

Seems to be a widespread thing then. A computer glitch I take it.

Zack1

cifpower wrote: »

Has anyone else got a problem signing into Jacamo/Premier Man/JD Williams? It says my details are wrong.

I got into HSD fine, but it must be a computer glitch. Probably screwed up your limit increases or something

What the hell? JDW have my old mobile number as my main number, I better not have got N Hunter for that!!

wayne99

jacamo is working fine for me, just the jdwilliams is fooked

big_Daddy_Dave

yea i cant sign in to jacamo either

RICK..._2

Cash_Flow wrote: »

Maybe your balances have increased?

Cra's credit scores are only a rough indication of your credit status mate.

Balances have gone down if anything.

Cheers for the replies

And yeah I still can't log into either of my accounts... I emailed them this morning but still not had a reply, so going to phone I think. I actually thought they'd taken my accounts off me :rotfl: