The Sub Prime Credit Thread - Part IV

BugsyBrowne

Please do not laugh at this question but being serious,are RBS a different company to BOS

duggie1982

Has anyone used their Credit Union?

I have had one open for about 4 months with nearly £2000 in it and am thinking about a loan from them but not till early next year.

I'm deffo sub prime but will have only 1 default left on my file at the end of this year for a mobile phone.

Now have about 5 accounts including 2 credit cards and 3 bank account showing green zero's for a few years now. Also have a closed account all green from Welcome Finance from 2006.

Do you think I should apply to the CU in Jan/Feb time or should I apply to one of my banks?

I know it’s a bit premature asking but would like to have some advice.

Thanks

duggie1982

star-fire wrote: »

Please do not laugh at this question but being serious,are RBS a different company to BOS

Yip sure is different

HBOS - Halifax Bank of Scotland.

sscott5581

star-fire wrote: »

Please do not laugh at this question but being serious,are RBS a different company to BOS

Yes they are two different companys

RBS = Royal Bank of scotland (natwest is also part of RBS group)

BOS = Bank of scotland (now part of lloyds banking group which includes halifax and lloyds)

Zack1

BOS/HBOS....grrrr!!!!! Although those lot gave me Aqua so kinda happy with them for now.... would rather have my £6.25 a month though!


An enquiry by NATWEST-TLPHNY & CLC- SLS & ACCN on 15/05/2009 has been deleted from your credit report.

An enquiry by CARPHONE WAREHOUSE - E2SAVE on 15/05/2009 has been deleted from your credit report.

Yayyyyy Forgot about that.... The Natpest one shouldn't have even been on there in the first place but they decided they didn't want to remove it!

Numpty_Monkey

dnpuckitt is a spammer:spam:

BugsyBrowne

Wonder if anyone can help me on this one....
Applied for days mastercard & silver mastercard in april cancelled them both 3 days later after finding out my APR,just checked my equifax&experian and them 2 cards are showing up on both EX&EQ as settled how much will this damage my credit report....cheers

izools

I presume they show as a "U" and then a "S". This shouldn't have any adverse effect atall.

Creditors weigh active accounts much more heavily than settled ones.

BugsyBrowne

Cheers izools....

ElkyElky

I've been so extremely hot lately, so I took it upon myself to get some air conditioning, pricey but amazing.