The Sub Prime Credit Thread - Part IV

kilasuit

Sutton it will come be patient!

Brian1966

sutton111 wrote: »

LOL

Vanquis wouldn't even give me a decline letter! lol :rotfl:

How many defaults do you have on Equifax, i forgot? And how old are they?

Defaults drop off in Nov 2011 so over 4 years old.
Equifax shows 3 but one is a duplicate from Cabot Financial at different addresses. Disputed with Equifax and no reply. Cabot...no reply :mad:

sutton111

kilasuit wrote: »

Sutton it will come be patient!

I lack patience, yes i know I should listen to Take That! :rotfl:

Zack1

seeya23 wrote: »

they made me pay a deposit for laptop that i order today

How come? The laptop over your credit limit?

sutton111 wrote: »

Did that England shirt finally land?

Yeaaa got here on Friday I quite like the numbers when you see the shirt in person

sutton111

Brian1966 wrote: »

Defaults drop off in Nov 2011 so over 4 years old.
Equifax shows 3 but one is a duplicate from Cabot Financial at different addresses. Disputed with Equifax and no reply. Cabot...no reply :mad:

Well Equifax should remove that until Cabot reply. Raise another dispute and tell them to get it taken off or you'll report them.

I have 1 satisfied default on Equifax from Jan 2007. Maybe worth ago.

Brian1966

sutton111 wrote: »

Well Equifax should remove that until Cabot reply. Raise another dispute and tell them to get it taken off or you'll report them.

I have 1 satisfied default on Equifax from Jan 2007. Maybe worth ago.

Being honest I will be very surprised if Cabot have any documentation...will raise another dispute in the morning and if removed I will give Silvercard a shot.
Just hope my available credit doesn't go against me
Should close some accounts but they feel like family members now :rotfl:

seeya23

Zack1 wrote: »

How come? The laptop over your credit limit?

no i had £1000 to spend they was on the phone within 2 min,s the lady said they do it all the time now on big orders

sutton111

Brian1966 wrote: »

Being honest I will be very surprised if Cabot have any documentation...will raise another dispute in the morning and if removed I will give Silvercard a shot.
Just hope my available credit doesn't go against me
Should close some accounts but they feel like family members now :rotfl:

lol :rotfl::rotfl:

It's all those catalogues. :rotfl:

I have Very, Empire, Grattan, Next, Littlewoods, and Jacamo.

I did have Great Universal but i closed that down 2 weeks ago. I'm going to close Grattan, Empire, and Jacamo and maybe Very.

I'd like to keep Next and Littlewoods open. But the above plans are going to be gradually, because i don't want to harm my file by closing all my accounts at once.:)

sutton111

seeya23 wrote: »

no i had £1000 to spend they was on the phone within 2 min,s the lady said they do it all the time now on big orders

How much did it come to?

That's ridiculous, what's the point in having a credit limit if they're going to make you pay a depoist, that's petty IMO.

seeya23

sutton111 wrote: »

How much did it come to?

That's ridiculous, what's the point in having a credit limit if they're going to make you pay a depoist, that's petty IMO.

it,s was only £58 so i just paid it