The Sub Prime Credit Thread - Part IV

doelani

noah271007 wrote: »

2005 = 5 years ago.

You got declined for Flybe, but accepted for Silvercard.... says it all really.

I agree noah, was bored so applied, do have other mainstream cards as well.

BugsyBrowne

To be honest with most of the people on this thread,if we dont apply for anymore credit cards in the next 6 months,the majority of us have good credit files without defaults,ccj's or arrange to pay,continue to pay on time there is no reason why most prime cards wont accept us..

Zack1

star-fire wrote: »

To be honest with most of the people on this thread,if we dont apply for anymore credit cards in the next 6 months,the majority of us have good credit files without defaults,ccj's or arrange to pay,continue to pay on time there is no reason why most prime cards wont accept us..

pahahahahaha.... tell that to Halifax and Natpest!!!! :mad::mad::mad:

doelani

star-fire wrote: »

To be honest with most of the people on this thread,if we dont apply for anymore credit cards in the next 6 months,the majority of us have good credit files without defaults,ccj's or arrange to pay,continue to pay on time there is no reason why most prime cards wont accept us..

No strictly true as defualts stay of your credit file for 6 years , not sure about ccj's

Its-A-New-Age-Thing

y last default comes of june 2011.........with my 4 ccs ive now got aswell as my multiple phone contracts thatll be settled by then including my catalogues and my GOOD current accounts with nationwide and rbs

im assumin ill be at ninja credit status by then (which is good)

:A

doelani

Its-A-New-Age-Thing wrote: »

y last default comes of june 2011.........with my 4 ccs ive now got aswell as my multiple phone contracts thatll be settled by then including my catalogues and my GOOD current accounts with nationwide and rbs

im assumin ill be at ninja credit status by then (which is good)

:A

All I want is for ours to come off in May 2011 so we can remortgage with a normal rate and now subprime for our mortgage. We remortgagedto pay off IVA and they rate ways HIGHHHHHHHHHHHHHH

Its-A-New-Age-Thing

doelani wrote: »

All I want is for ours to come off in May 2011 so we can remortgage with a normal rate and now subprime for our mortgage. We remortgagedto pay off IVA and they rate ways HIGHHHHHHHHHHHHHH

think mines is may aswell but i justv tell myself JUNE incase theres a delay etc

i was gonna remortgage this year cheltenham and glouseter ACCEPTED ME as did YORKSHIRE BUILDING SOCIETY ...........though i changed my mind at last minute i owe 38500 for it was gonna remortgage to 60000 then thought hang on since im only 31 do it nect year for 45000 over 15 years with a view to slight overpayments so i own it outright by about 44-45

next year instead of this purely coz i wanna see how many of my home improvements the 60k had been aimed at i can achieve THROUGH MY OWN WAGES INSTEAD
:A

doelani

Its-A-New-Age-Thing wrote: »

think mines is may aswell but i justv tell myself JUNE incase theres a delay etc

i was gonna remortgage this year cheltenham and glouseter ACCEPTED ME as did YORKSHIRE BUILDING SOCIETY ...........though i changed my mind at last minute i owe 38500 for it was gonna remortgage to 60000 then thought hang on since im only 31 do it nect year for 45000 over 15 years with a view to slight overpayments so i own it outright by about 44-45

next year instead of this purely coz i wanna see how many of my home improvements the 60k had been aimed at i can achieve THROUGH MY OWN WAGES INSTEAD
:A

Our mortgage is fixed until November 2011 so gives us a few months form the "6 years from default date" for them to all drop off.

By them will also be 3 years IVA free and 3 years of loads of lovely greens on credit files :T

plumber2009

defaults, ccjs may be dropping of peoples credit files sooner than anticipated.
New legistlation drawn up will be enforced by end feb 2011 and is set to begin implementation from the end april 2010.
This new legislation is a european binding agreement where all credit history is shared and as a consiquence all data can only be held by the credit refrence agencies for upto 3 years.

BugsyBrowne

doelani wrote: »

No strictly true as defualts stay of your credit file for 6 years , not sure about ccj's

people who have not ever had a default,i did get flybe but i think the reason i keep getting turned down must be that i am addicted to DO YOU ACCEPT TERMS AND CONDITIONS IF SO CLICK SUBMIT..i now have 7 on equifax and 9 on experian..