The Sub Prime Credit Thread - Part IV

big_Daddy_Dave

will do

just dont even have a debit card right now to sign up

no one will give me abank account !!!!!!

may just try going into the branch and applying there instead of online

i dont even ask for an overdraft or anything

never-in-doubt

Barclays basic account mate. :rotfl: :rotfl:

izools

No!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Evil bank. Me no like. Co-Op Cashminder FTW

PARIS_5000

Argos is not GE Money its home retail group which is the name on my statements and credit agreement.

never-in-doubt wrote: »

There is obviously something amiss with her credit file for her to get rejected so frequently, however that said the pure lack of any credit may be the underlying factor here.

Its that same old catch 22 - you need to build a credit history, but nobody will give you credit! The first thing she should do is get a full bank account, with the same place she currently uses (Lloyds?) as they may be able to upgrade or use behaviour score types.....

The settled defaults mean the same as current defaults, they are classified as adverse data and will have a major impact on any credit application she makes. If they are within 3 years she will struggle, some places like Vanquis/Cap1/Barclaycard/Aqua accept people with a default older than a year - but if Vanquis declined her then it's time to sit back and check the credit file.

Sainsburys is Halifax and Argos is Santander (ex GE Money) so bear that in mind before any other applications. That means forget Aqua, as she will have to wait 6 months before reapplying to halifax cards.

never-in-doubt

PARIS_5000 wrote: »

Argos is not GE Money its home retail group which is the name on my statements and credit agreement.

Ooops sorry yea that's right.... Home Retail Group Personal Finance Limited

Thanks for clarifying this - Dunno what me was thinking! :p

never-in-doubt

big_Daddy_Dave wrote: »

will do

just dont even have a debit card right now to sign up

no one will give me abank account !!!!!!

may just try going into the branch and applying there instead of online

i dont even ask for an overdraft or anything

No mate - send a cheque/postal order for £2 to each CRA and get a postal version...

big_Daddy_Dave

you have any info on how to do that? like addresses i need and who to make the postal order to and stuff

how long does it take?

ElkyElky

Apple just announced their new laptop. I so badly need it but it won't be in the shops for another 60 days.

cifpower

I am waiting for their new iPhone

ElkyElky

cifpower wrote: »

I am waiting for their new iPhone

I don't think they'll announce it today, there are rumours that they might but I'm not holding my breath. I'm on a live blog at the moment keeping up with the action in Cali.