The Sub Prime Credit Thread - Part IV

just_about

never-in-doubt wrote: »

Please tell me more on this 3 zero? Is it a free tariff?

Mate it is a easy way of adding some more green zeros to your credit file !! Basically it is a sim only contract with 'three', however there is no monthly line rental what so ever, you just pay for what you use every month :D so basically if you take this contract and say just use it for say 10p for the first month, basically just to activate the sim, then it is reported to our credit file as a full contract , how ever the plus point being you don't pay nothing every month ofcourse , unless you use it to make calls or send texts !!

just_about

never-in-doubt wrote: »

Please don't do it - don't be silly mate!

din get ya mate

never-in-doubt

just_about wrote: »

din get ya mate

Re 3 - thanks makes sense! Do they credit search you then or not? Can they decline you lol?

Re comment - I was saying please don't do a payday loan - they are a rip off :mad:

just_about

never-in-doubt wrote: »

Re 3 - thanks makes sense! Do they credit search you then or not? Can they decline you lol?

Re comment - I was saying please don't do a payday loan - they are a rip off :mad:

Yes mate 3 indeed do a search for this , however with 3 even some one with a trashed credit file can pass for their full contract too, they are like these bunch of payday cowboys, desperate for anyone who is ready to tolerate their toally crap network :rotfl::rotfl::rotfl::rotfl:

Mate about the paydayuk thing , asked ya because they advetise in their site that if ou settle their loan in time ' it might help in improving your credit score', so was wondering if they report to the cra's !!
However mate if you go through quidco, you can make money with paydayuk for the first loan that you take out through them !!
e.g. if one takes out a 80 pound loan through paydayuk , and pays it off at the end of the term then the total payable is 100 quid, which is the 80 pounds priciple + 20 pounds interest, and through quidco they do a cashback of 50 pounds !! so you make like 30 quid for free !!

never-in-doubt

just_about wrote: »

Yes mate 3 indeed do a search for this , however with 3 even some one with a trashed credit file can pass for their full contract too, they are like these bunch of payday cowboys, desperate for anyone who is ready to tolerate their toally crap network :rotfl::rotfl::rotfl::rotfl:

Mate about the paydayuk thing , asked ya because they advetise in their site that if ou settle their loan in time ' it might help in improving your credit score', so was wondering if they report to the cra's !!
However mate if you go through quidco, you can make money with paydayuk for the first loan that you take out through them !!
e.g. if one takes out a 80 pound loan through paydayuk , and pays it off at the end of the term then the total payable is 100 quid, which is the 80 pounds priciple + 20 pounds interest, and through quidco they do a cashback of 50 pounds !! so you make like 30 quid for free !!

LOL, cant see anything about zero - just a normal PAYG

Payday loans are not great mate - maybe they have started to report (didn't know this - i'll speak to Lee Hancock at Experian later and find out and confirm)...

But the cashback sounds ok, a free £30 aint bad is it - however, surely it would be so easy (and tempting) to keep using the service - as people say, once they see how easy it is then there is no stopping them (whenever they are skint - they apply).... not me though, thanks though matey

never-in-doubt

Seems they report after all - http://www.paydayuk.co.uk/pages/rebuild-your-credit-with-paydayuk.php

just_about

never-in-doubt wrote: »

LOL, cant see anything about zero - just a normal PAYG

There you go mate : http://www.3simonly.co.uk/3-sim-zero.html?gclid=CIPQt7jY154CFVBd4wodlxlqqg

Hope this helps :D

Plan to get 1 for yourself mate ?

just_about

never-in-doubt wrote: »

Seems they report after all - http://www.paydayuk.co.uk/pages/rebuild-your-credit-with-paydayuk.php

This is what i mean mate, however no one seem to able to confirm if they actually do this, and if it is experian indeed that they do it to

wizzywig27

I just checked my Jacamo account, they doubled my credit limit to £300 after two payments. JD Williams put it from £150 to £200 after two payments!

seeya23

wizzywig27 wrote: »

I just checked my Jacamo account, they doubled my credit limit to £300 after two payments. JD Williams put it from £150 to £200 after two payments!

they go up very fast i start on £150 up to £1300 on one and £1400 on the other had them less than a year