The Sub Prime Credit Thread - Part IV

misscutiepie1984

Innocent_Guy wrote: »

whats your credit file like?

I have been on Im in a DMP so my accounts have shown as AP for about 4years and I recently had a Default removed from my account as I never received the Default notice so I disputed it.

Cash_Flow

Innocent_Guy wrote: »

Cash flow I take it you had to wait 6 months for your increase?

Yeah six months mate.

plumber2009

kilasuit;31062141]Just been accepted for sygma silver.

time to move some of vanquis over me thinks


Thanks guys for all good info on them recently i.e equifax search and seeming easier to accept


Congratulations and well done mate.:)

I applied yesterday and got the 7-10 days message.
Just hoping that i get accepted as i want to get rid of my vanquis card and replace it with a silver card.

Do you have any nasties on your file?



Oh and Thank you NID for the update.

Innocent_Guy

misscutiepie1984 wrote: »

I have been on Im in a DMP so my accounts have shown as AP for about 4years and I recently had a Default removed from my account as I never received the Default notice so I disputed it.

Well done on getting the account

Innocent_Guy

Cash_Flow wrote: »

Yeah six months mate.

Did they credit search you?

Cash_Flow

Innocent_Guy wrote: »

Did they credit search you?

Yeah Mate

soft search equifax:D

Sygma/Creation don't care how many times they peep @ your file.

Additional address
follow up
Fraud

They know how to keep thier equifax costs down

Innocent_Guy

plumber2009 wrote: »

kilasuit;31062141]Just been accepted for sygma silver.

time to move some of vanquis over me thinks


Thanks guys for all good info on them recently i.e equifax search and seeming easier to accept


Congratulations and well done mate.:)

I applied yesterday and got the 7-10 days message.
Just hoping that i get accepted as i want to get rid of my vanquis card and replace it with a silver card.

Do you have any nasties on your file?



Oh and Thank you NID for the update.

Drop them all a call

Innocent_Guy

Cash_Flow wrote: »

Yeah Mate

soft search equifax:D

Sygma/Creation don't care how many times they peep @ your file.

Additional address
follow up
Fraud

They know how to keep thier equifax costs down

I was lucky and was only got the standard search. Its good to hear that they only soft search

kilasuit

plumber2009 wrote: »

kilasuit;31062141]Just been accepted for sygma silver.

time to move some of vanquis over me thinks


Thanks guys for all good info on them recently i.e equifax search and seeming easier to accept


Congratulations and well done mate.:)

I applied yesterday and got the 7-10 days message.
Just hoping that i get accepted as i want to get rid of my vanquis card and replace it with a silver card.

Do you have any nasties on your file?



Oh and Thank you NID for the update.

1 late payment nov 2008 and 12 perfectly run accounts

Innocent_Guy

Sygma just offered to transfer 1k into current account @ 3% fee - 24.9% APR.