The Sub Prime Credit Thread - Part IV

seeya23

wizzywig27 wrote: »

Does your wifes work at pay@pump mate?

dont know as we dont have a car any more but just like to know if it does work

izools

Guys stop panicing!

I've already confirmed the 4921 LTSB card is not full auth. Already used it on 'train; and in any case, not all my transactions leave my available balance straight away occasionally they take two or three days; not a full auth card - the full auth card from LTSB is blue

izools

Miles30 wrote: »

no adverse just limited credit history. only one yr credit history

How many searches did you have on EQ at the time, and how old was your newest account when you applied?

Well done, btw :T

Miles30

izools wrote: »

How many searches did you have on EQ at the time, and how old was your newest account when you applied?

Well done, btw :T

My EQ is STILL empty! I applied nearly a month ago and got delined but there was no search footprint on my EQ file.

I appealed with 3 proofs of adddresses and a copy of my EQ report and they made an Unclassified Enquiry on my report. They then accepted me. So their search hasn't affected my score.

I had 3 new accounts all opened in July last yr.

oh I have just been approved for the ASDA reward credit card. credit limit is 1000 and apr 22

I dont know who they searched though as the info is not available on my EX yet. EQ wont let me order a new report because I already ordered on in the morning.

izools

Asda = Santander (Eurgh!) = EX

So your newest account was 6+ months old, fair cop. I'll wait until Mid May and apply for one myself then, at which point my newest card will be 6+ months old and I'll only have 2 searches in the last six months on EQ.

Only two months to wait! Piece of cake...

Miles30

izools wrote: »

Asda = Santander (Eurgh!) = EX

So your newest account was 6+ months old, fair cop. I'll wait until Mid May and apply for one myself then, at which point my newest card will be 6+ months old and I'll only have 2 searches in the last six months on EQ.

Only two months to wait! Piece of cake...

2 months should really be piece of cake unless you are ..... lol.

Good luck for the future mate. Now i got 2 EX searches in the last month. Dont know if it's worth trying for the Tesco one

izools

Miles30 wrote: »

2 months should really be piece of cake unless you are ..... lol.

Good luck for the future mate. Now i got 2 EX searches in the last month. Dont know if it's worth trying for the Tesco one

I forget if you have a Barclaycard?

Miles30

izools wrote: »

I forget if you have a Barclaycard?

Yes I have a barclaycard gold. was first given a limit of 260 then it went up to 700 after 9 months. still unacceptable.They said i wasn't using the card but what can I buy with 260 and for that matter 700?

fairmorn308

good evening troops hows everyone

izools

Miles30 wrote: »

Yes I have a barclaycard gold. was first given a limit of 260 then it went up to 700 after 9 months. still unacceptable.They said i wasn't using the card but what can I buy with 260 and for that matter 700?

... Monthly groceries cleared in full?

Or what I used my Barclaycard for at the weekend (first "proper" purchase since the card arrived on 7th November) - pets and everything that's needed for them

I have three Rats now. They're awesome! Low maintenance, low running costs, intelligent, clean, can be taught tricks, but independent enough not to need attention all the time (like a dog would). Being caged my Landlady shouldn't have a seizure when she finds out, either