The Sub Prime Credit Thread - Part IV

BugsyBrowne

Just called them up and the lady said when did you apply i said half hour ago,she laughed and said with all customers or something along them lines now have to go to the underwriting department,i dont have no defaults,or anything like that,no missed payments,just a lot of searches.and flybe is now on my equifax credit report..i take it the underwriter does this manually.

Its-A-New-Age-Thing

THAT REMINDS ME.............PROLIANT you any defaults mate im tryin to work out if it was my 5 year old default etc

many thanks

Its-A-New-Age-Thing

star-fire wrote: »

Just called them up and the lady said when did you apply i said half hour ago,she laughed and said with all customers or something along them lines now have to go to the underwriting department,i dont have no defaults,or anything like that,no missed payments,just a lot of searches.and flybe is now on my equifax credit report..i take it the underwriter does this manually.

yeah as far as i know they did me id call again tommorow should be in there hands by then, when u next call say im just wondering why i would get a 7-10 days message etc as im already a customer that should prompt her to find out why and ull know if ure sittin pretty so to speak

brians_daughter

Hum, just called aqua as my card hasnt come. I applied online say 3 weeks ago, rang to see 'had they got my online application' as tehs creen froze a the end, i was told i had been accepted with a £900 limit. Got a cca through and posted it almost 2 weeks ago. Rung them just now and the guy said he has nothing on the system relating to my application?

Me thinks i am going to call back and speak to someone else now! Surely they have details as i have spoken to someone who said i had been acccepted, and they sent the cca out?

Its-A-New-Age-Thing

Zack1 wrote: »

Ah cool! I've only been 10/11 months now. I won't be going back to Sygma again if they search twice for one application though! I just want Vanquis and/or Tesco really, so I'm going to go for both of them on the same day in the hope they won't see each other when they search . With any luck Cap1 will give me an early birthday present next week and put my limit up.... then again pigs might fly!

I def agree about the searches though, but as a certain useless CRA won't give me my report I can't have a look as to when they will drop off!! I'm guessing some will drop off by May.... I wanted to try and pin down the exact date Natwest gather information to report (if it is an exact date) but as I can't see my file I don't know!

When I renew my o2 contract that won't be credit scored will it? They should just give me a new one? As I'm on one of their highest plans as it is!

VANQUIS SEARCH EXPERIAN ONLY AS DO TESCO............THIS IS WHERE IT GETS WEIRD THOUGH.............

tesco are part of rbs................rbs card search both equifax and experian ie both at the same time........rbs current accounts only search equifax kinda funny

so uve got tescos WHO are rbs credit card who are only searchin experian then uve got an rbs credit card who are searchin experian and equifax then a current account with rbs who are only serarchin equifax HOW WEIRD IS THAT???????

i know this for a fact as ive DONE THEM ALL THESE PAST 2 WEEKS LOL

:A

Its-A-New-Age-Thing

brians_daughter wrote: »

Hum, just called aqua as my card hasnt come. I applied online say 3 weeks ago, rang to see 'haad they got my online application' was told i had been accepted with a £900 limit. Got a cca through and posted it almost 2 weeks ago. Rung them just now and the guy said he has nothing on the system relating to my application?

Me thinks i am going to call back and speak to someone else now! Surely they have details as i have spoken to someone who said i had been acccepted, and they sent the cca out?

MINE NEITHER .........:( although my pins arrived HANDY lol

kaostheory

I have recently ( Last week ) got my first credit card - Vanquis with a £250 limit and 39.9%APR I am using it for my fuel and setting aside into a savings account the amount rounded up to a whole number everytime i use it, Then im going to pay off in full at the end of every month.

I have 2 defaults from the beginning of 2009 both for current accounts Abbey and A&L.

I pay £4800 in salary a month into my bank account and I doubt they would even consider me for an overdraft let alone a credit card.

I notice that a few people on here have multiple sub prime cards, whats the likely hood of being accepted for others once you have one? i.e do certain CC companies use the same scoring hence give cards to the same people?

PROLIANT

Its-A-New-Age-Thing wrote: »

THAT REMINDS ME.............PROLIANT you any defaults mate im tryin to work out if it was my 5 year old default etc

many thanks

No Defaults or any adverse just too many searches on Experian and now a few (12) on Equifax. Time to leave it for a few months.

Its-A-New-Age-Thing

PROLIANT wrote: »

No Defaults or any adverse just too many searches on Experian and now a few (12) on Equifax. Time to leave it for a few months.

thanks for that mate its definetely my default then so im thinkin there goin back 6 years theyve already confirmed they score higher anyway so must be.........oh pikin up on this 3 year default carry on for europ niddy was on about u any links that verify this ive been googling like mad and cant find anythin

thanks

:beer:

brians_daughter

Its-A-New-Age-Thing wrote: »

MINE NEITHER .........:( although my pins arrived HANDY lol

When did you apply/send CCA back? just being nosey lol