The Sub Prime Credit Thread - Part IV

TastyTeeth

Can anyone help me with a quick Equifax question?

I would like to update a previous address (which currently shows as linked) so that it forms part of my credit report as a previous address. Anyone know how I can amend the detail on the Equifax site?

First post...yeah! First step in rebuilding my credit status after falling off the rails nearly 5 years ago.

Innocent_Guy

sutton111 wrote: »

OMG OMG OMG

i just have been accepted for the Silver Sgyma card!!!!!!!!!

Congratulations!

Your application has been accepted.
What happens next? We will issue you with a card and PIN within 7-10 working days.
Your application reference is given below. Please write this down and quote it if you need to contact us.
You can reach us on 0871 376 9224. We are open:

• Monday to Friday 8.30am - 9.00pm
• Saturday 8.30am - 7.30pm
• Sunday 10.00am - 6.00pm

Calls to 0871 numbers will cost 7p per minute (including VAT) from BT landlines (current at December 2009). Cost of calls from non-BT landlines and mobile phones will vary. Please check with your phone provider. Calls may be monitored or recorded for the purpose of quality control.
Your application reference number is: XXXXXXXX

Told ya didn't I!! Well done sooooo pleased for you. Have you rung up to find limit and APR?

Innocent_Guy

sutton111 wrote: »

So what happens next????

*Faints in pure shock*

Phone up to check CL and APR.

Because it was done online you do not have to sign CCA
Card & Pin turns up quite quickly... :T

Innocent_Guy

sutton111 wrote: »

It's all thanks to Proliant for starting this thread up.

I wish to go on record to thank him and everyone (Cif, NID, Cash Flow, Innocent, Sammy_Girl, etc) who's helped me build my credit up from being crap to good!!

I would also like to thank all for the help/guidance I have been given :beer:

Innocent_Guy

sutton111 wrote: »

I know, i couldn't get anything, besides Catalogue's, basic accounts and T-Mobile. But since September '09 I got my iPhone with O2 and then my Capital One card in January it been slow but hopefully and finally i'm improving.

I was thinking about applying for Vanquis, but they can kiss my !!!!. I have a better limit (Probably) and a far better APR!!

Your file must have deffo got better recently.

How many searches you got in the last 6 months?

sscott5581

sutton111 wrote: »

OMG OMG OMG

i just have been accepted for the Silver Sgyma card!!!!!!!!!

Congratulations!

Your application has been accepted.
What happens next? We will issue you with a card and PIN within 7-10 working days.
Your application reference is given below. Please write this down and quote it if you need to contact us.
You can reach us on 0871 376 9224. We are open:

• Monday to Friday 8.30am - 9.00pm
• Saturday 8.30am - 7.30pm
• Sunday 10.00am - 6.00pm

Calls to 0871 numbers will cost 7p per minute (including VAT) from BT landlines (current at December 2009). Cost of calls from non-BT landlines and mobile phones will vary. Please check with your phone provider. Calls may be monitored or recorded for the purpose of quality control.
Your application reference number is: XXXXXXXX

Well done!!!!

izools

Yes, and me I'd like to throw in some thanks, also.NID has helped me understand why to hate HSBC even more than I did already (but based on fact rather than assumption )And of course the recent flurry of Sygma acceptances thanks to everyone else putting their "apply" finger forward first I now have a Silver card in my wallet. Didn't even know they existed six months ago :P
Slight change of subject I just logged into my Quidco account and noticed a pending payment into my current account for Wednesday week - Virgin Media paid out on cashback for an order that I cancelled :rotfl: :rotfl: :rotfl: Cheers Branson! :beer:

sutton111

Innocent_Guy wrote: »

Phone up to check CL and APR.

Because it was done online you do not have to sign CCA
Card & Pin turns up quite quickly... :T

Innocent_Guy wrote: »

I would also like to thank all for the help/guidance I have been given :beer:

Innocent_Guy wrote: »

Told ya didn't I!! Well done sooooo pleased for you. Have you rung up to find limit and APR?

You did. I only applied because what you said. It was worth ago, especially with my Equifax file being pretty good.

I tried ring them, pressed option 2. They said there is nothing on the system. Shall i try them again?

sutton111

sscott5581 wrote: »

Well done!!!!

Cheers!!

sscott5581

selecta_c wrote: »

Anyone got any experience of closing a Vanquis account down.I think the time has come to finally part company.

I closed my Vanquis the other month. Cleared the balance the previous month waited for zero statement and cancelled over the phone. Was asked why I wanted to cancel and told to cut my card. Straight forward and all three CRA's have now been marked as settled.