The Sub Prime Credit Thread - Part IV

never-in-doubt

depends mate MBNA are strict, others are not.

Innocent_Guy

New accounts are those opened within 18months

Miles30

never-in-doubt wrote: »

Answered here mate: #3120

But obviously 1 search is better than 3 in a week lol - i'm saying if thats all youve applied for then you'll be ok..... if you have 12 already then forget it...

I got nothing for Equifax for the whole year and 5 for Experian for the yr( 1 within the last 6 months).
I should be fine then. Thanks:j

never-in-doubt

Miles30 wrote: »

I got nothing for Equifax for the whole year and 5 for Experian for the yr( 1 within the last 6 months).
I should be fine then. Thanks:j

Yes mate you should be fine, in that you will not be declined due to searches.

If Equifax is empty then you need to be looking at Amex, Flybe or Silver card IMO....

Miles30

Innocent_Guy wrote: »

New accounts are those opened within 18months

All my accounts are new then lol. I would stay away from MBNA. It's their loss lol

Innocent_Guy

To apply for tesco or not??????

My reasons for thinking not to are as follows

* 18 Active accounts (Aim to have reduced this to 7 within the next 3 months)
* Approx 8-10 Searches within the last 6 months
* Balances showing on accounts that I have now cleared

Miles30

never-in-doubt wrote: »

Yes mate you should be fine, in that you will not be declined due to searches.

If Equifax is empty then you need to be looking at Amex, Flybe or Silver card IMO....

Amex? seems like i'll be bitting more than i can chew lol. I will be declined before i even submit my application lol.

never-in-doubt

Innocent_Guy wrote: »

To apply for tesco or not??????

My reasons for thinking not to are as follows

* 18 Active accounts (Aim to have reduced this to 7 within the next 3 months)
* Approx 8-10 Searches within the last 6 months
* Balances showing on accounts that I have now cleared

well wait 6 months matey - thought your Experian was good, if not then don't waste the search - either way, wait 6 months now or apply then wait 6 months, same difference right? lol :rotfl:

Miles - amex isn't that hard apparently - a few people here have one, or post office is another to consider (equifax search as Bank of Ireland)

Miles30

never-in-doubt wrote: »

Miles - amex isn't that hard apparently - a few people here have one, or post office is another to consider (equifax search as Bank of Ireland)

Really? I am apply shy lol. Scared of rejection lol. Anyway, nothing ventured nothing gained so i gotta get off my back side and make some applications.

So now I have Tesco, M&S, Post Office and Amex to consider. When you say PO search Equifax, do you mean they use them solely or they search both Equifax and Experian?

Thanks mate:T

izools

PO can search both. The only two that exclusively search Equifax are Barclaycard and Sygma Cards (JJB, Flybe, Silver, Accessory)