The Sub Prime Credit Thread - Part IV

never-in-doubt

sutton111 wrote: »

Christ, busy on here recently!!

Hey-up mate.... hows it going?

How weird is this, Sutton, Innocent & NiD all online at the same time..... been like 6 months since we used to sit here all night chatting and applying lol :rotfl::rotfl:

Miss Brian and BigBum though......

Miles30

Innocent_Guy wrote: »

I applied for the Silver card over the weekend and was accepted. My file is abit worse than yours so you should be fine....

I am getting one soon too. well i hope. they said they couldnt confirm my address so they asked for 3 proofs. When i called today they said they have received it and will review and give decision next few days:)

Innocent_Guy

fairmorn308 wrote: »

not sure what to apply for tho?

Whats your file like at the mo?

never-in-doubt

Innocent_Guy wrote: »

Whats your file like at the mo?

Remember he's like closed too many accounts recently and the status may not have changed - fairmorn - wait a month or two until all the closed accounts show settled and closed.... it will affect any application you make right now cos it suggests you have like 5 cards or more...

sutton111

never-in-doubt wrote: »

Hey-up mate.... hows it going?

How weird is this, Sutton, Innocent & NiD all online at the same time..... been like 6 months since we used to sit here all night chatting and applying lol :rotfl::rotfl:

Miss Brian and BigBum though......

Lol, yeah i know. Seem to be like "ships passing in the night" lol :rotfl:

fairmorn308

Innocent_Guy wrote: »

Whats your file like at the mo?

Good i think. I havent checked for a couple of months but no late payments that are new that i am aware of and no defaults and CCJs

...

BUT

Just checked the electrol roll and my address has been changed to the address i moved 2

anything can be done to change to continue this?

Innocent_Guy

izools wrote: »

They turned me down with a 100% spotless EQ file - I had a Lloyds account open 14 months, Aqua open 12, Vanquis open 6, and Barclaycard open 1... big fat get lost! No adverse on EQ whatsoever

I think it's the having a brand new account that really really hurts your chances. Seriously.

Interesting..... I was looking through the summary box and it states you must have a good credit history. From what you are saying yours is fine so I would appeal?

never-in-doubt

sutton111 wrote: »

Lol, yeah i know. Seem to be like "ships passing in the night" lol :rotfl:

Well I pretty much live here (sadly enough) lol as my post count suggests - sad, yep I know ok ok!! So hows it going anyway matey?

Did you see the pages about Bank of Cyprus? Seems so far there was only me and another that got accepted..... weird eh? And today they are sending me the cheque card... cool :D

never-in-doubt

fairmorn308 wrote: »

BUT

Just checked the electrol roll and my address has been changed to the address i moved 2

anything can be done to change to continue this?

Just write to the Electoral Office and tell them it is an error and state your correct address, they should request that the CRA amend the record.... if not, ask the CRA's to do it for you.

p.s. don't advertise what you just typed mate - its not exactly ermm, legal IYSWIM :D:D

Innocent_Guy

sutton111 wrote: »

Errrmmm

Nowt really no. Just Capital One and A&L. Saying that, since I got my card and pin, i've heard nothing from A&L.

I see you were successful with Barclaycard and Sgyma!! Congratulations.

Your credit file must be on the up if you got the A&L & Capital one card mate :-)

Cheers matey, I will believe it when I get the plastic through the door :beer: