The Sub Prime Credit Thread - Part IV

izools

If it's your only default and you are managing your other accounts well you might be able to get back on the mainstream ladder once the default is 3+ years old. Depends who you apply to and how strong the rest of your application / credit file is

never-in-doubt

izools wrote: »

If it's your only default and you are managing your other accounts well you might be able to get back on the mainstream ladder once the default is 3+ years old. Depends who you apply to and how strong the rest of your application / credit file is

Exactly, the likes of Tesco will go back 2 years so if you have a great history in the last 2 years they don't always go any further back

usedandabused

izools wrote: »

If it's your only default and you are managing your other accounts well you might be able to get back on the mainstream ladder once the default is 3+ years old. Depends who you apply to and how strong the rest of your application / credit file is

1 default from HSBC

they took my account away aswell, had no account 2 years back, opened a few basic accounts, they were all cash cards no debits then recently a few upgraded the card to electron or visa debit, but lloyds were useless, i could only with draw from lloyds ATM's!!!!!

Got a nice job, pays modest but progression and i've now got cap one and vanquis, and I received from N&P a ‘gold’ account with an OD lol

Recently got a sim only phone on my name, have a contract phone but in my elderly fathers name L

I’ve not incurred bank charges as yet since the HSBC fiasco

cheers btw much appreciated, you lot are brilliant on here

noah271007

never-in-doubt wrote: »

Exactly, the likes of Tesco will go back 2 years so if you have a great history in the last 2 years they don't always go any further back

I will get the MBNA CC application done today...seeing that its 24/7!!


Who else other than Tesco go back 2 years for their CC? Flybe?

never-in-doubt

noah271007 wrote: »

I will get the MBNA CC application done today...seeing that its 24/7!!


Who else other than Tesco go back 2 years for their CC? Flybe?

Good man - let us know how you get on, hopefully better than me lol
Flybe = Sygma = 6 years mate :eek:

BUT they only take into account the relevant information, whatever that means!

Some get it, others don't - its case-by-case mate.

fairmorn308

morning troops hows everyone?

seeya23

fairmorn308 wrote: »

morning troops hows everyone?

not bad you i want to apply for new bank account may be ltsb my wife got a account with them but i dont want to get turn down lol

fairmorn308

am ok. am going to go back to my LTSB account as they have a branch in my town and also am annoyed with A+L bank but only thing stopping me is my card can only be used at there banks for withdrawling money tho. Am going to have a chat with them cause will be paying in over 4k a month to the account and at least they can do is give me proper access to my money

never-in-doubt

Pro - look here mate: Norwich & Peterborough Gold Account?

£500 is standard for 6 months - I too applied, but now i've also got Bank of Cyprus lol.....

usedandabused

PROLIANT wrote: »

I applied today and was told I was accepted with a Visa Cheque card and overdraft, they couldnt see the amount of overdraft yet until I send in my ID, if you dont me asking, how much is your overdraft?

a massive £500