The Sub Prime Credit Thread - Part IV

Innocent_Guy

never-in-doubt wrote: »

No mate - not if you want to get the HSBC card - you'll have higher chance of that, being you bank with them and they can do a branch override if you apply in branch...

see here - #4709

Cool, ok. I will hold fire then

izools

star-fire wrote: »

izools i take it JL card means john lewis cc,if that is the card you applied for,you should of checked your equifax report,as that what they checked for me,did you do your score mine was(414)good and they accepted me,did have a feeling they would as my equifax is twice as good as my experian report,maybe i was lucky wouldent of been if they would of checked experian,now just wonder what apr and credit limit they dish out!!!

I check it every day nearly mate.

I never pay for the scores because they are meaningless. I won't go into why.

Like I said, I wasn't declined because of my EQ file, but because I'd already been given an appalling score when I applied for an HSBC current account last month, for which they checked Experian, ergo pre-declining me for any of their credit products, including the JL card, for the next six months.

Thanks to Niddy for explaining that to me, btw

Innocent_Guy

I may apply for the JL card and if declined wait 6 months for HSBC BS to increase and then apply for there CC? Any ideas?

never-in-doubt

Innocent_Guy wrote: »

I may apply for the JL card and if declined wait 6 months for HSBC BS to increase and then apply for there CC? Any ideas?

did you miss my link above?

Apply for JLP card and you cannot apply for any HSBC card for 12 months!

Innocent_Guy

never-in-doubt wrote: »

did you miss my link above?

Apply for JLP card and you cannot apply for any HSBC card for 12 months!

Still not woken up properly lol!

What does the JL card score like? If accepted I take it I can still apply for HSBC?

Does the account review credit search take into account any previous applications?

never-in-doubt

Innocent_Guy wrote: »

Still not woken up properly lol!

What does the JL card score like? If accepted I take it I can still apply for HSBC?

Does the account review credit search take into account any previous applications?

Mate its all in the link above!

JLP is the same as HSBC (scoring). If you apply for HSBC you can appeal and have a very very good chance of winning. Apply for JLP and your appeal will be like anyone elses....

If you go for an account review then apply for a HSBC card, 6 months later you are allowed to apply for a JLP card. If you got HSBC decline then 12 months later apply for JLP...

clear yet lol :rotfl::rotfl:

plumber2009

never-in-doubt wrote: »

........ and the defaults will cause it to decline (high possibility)....

The reason i applied to sygma was due to the fact that i applied for flybe 6 months ago and was declined due to the fact that i was not on the ER and was told to reapply once i had registered. Also the defaults have not caused any declines with vanquis, shop direct or jd williams.

my barclaycard and cap1 card were reinstated.

Correct me if im wrong but i have read that some companies wont go back further than 3 years if all active account payments are upto date.
I also read that defaults have less an affect on credit status when they get older. Is it worth giving them a call as i have a refrence?

Not saying defaults dont affect me though.:mad:

I will update when i get a decision. Fingers crossed.:)

seeya23

The reason i applied to sygma was due to the fact that i applied for flybe 6 months ago and was declined due to the fact that i was not on the ER and was told to reapply once i had registered. Also the defaults have not caused any declines with vanquis, shop direct or jd williams.

my barclaycard and cap1 card were reinstated.

Correct me if im wrong but i have read that some companies wont go back further than 3 years if all active account payments are upto date.
I also read that defaults have less an affect on credit status when they get older. Is it worth giving them a call as i have a refrence?

Not saying defaults dont affect me though.:mad:

I will update when i get a decision. Fingers crossed.:)

you can always giving them a call and see what they say

Innocent_Guy

plumber2009 wrote: »

The reason i applied to sygma was due to the fact that i applied for flybe 6 months ago and was declined due to the fact that i was not on the ER and was told to reapply once i had registered. Also the defaults have not caused any declines with vanquis, shop direct or jd williams.

my barclaycard and cap1 card were reinstated.

Correct me if im wrong but i have read that some companies wont go back further than 3 years if all active account payments are upto date.
I also read that defaults have less an affect on credit status when they get older. Is it worth giving them a call as i have a refrence?

Not saying defaults dont affect me though.:mad:

I will update when i get a decision. Fingers crossed.:)

I would give them a call however it is likely to still be with underwriting

Innocent_Guy

Guys last time I applied for BOI they only searched Equifax, does anyone know if this is still the case?