The Sub Prime Credit Thread - Part IV

fairmorn308

Well some of you may know. I wasnt allowed any dealings with RBS but they are still reporting to the CRAs and now have over 6 months on my file from them. Am not sure if i should try push again about this matter.

savagej

What are they reporting, I beleive you had an old account is that what is still reporting so you have a start date of sometime ago?

fairmorn308

I used to have account but defaulted etc over 8yrs ago. I tryed to apply for two accounts last yr and was 1st accepted then they said i was declined due to past history etc. So i left it and there still reporting i have a current account. Nothing bad but if there reporting for having a account then i have the right to use the account.

savagej

I would have though so, although I recall 10 years ago applying for a cap one card, it getting accepted then later declined. I only found out after 6 months they had been reporting green zeros to the CRA's all this time so I used it very successfully to build up my credit. I later queried it with them and they marked it as satisfied but this obviously is not what you want. Do you have a record of your sort code and account number, as if you have an say your passport you could go into a branch and try and bluff your way into getting them to order you a card. It is after all your account.

ARTooD2

Well...since that guy on the phone from vanquis said I was declined I have recieved neither a letter nor the normal decline email...Lets hope he got it confused with the last application (Unlikely as that is lol)

seeya23

ElkyElky wrote: »

Congratulations! :T:T:beer:

thanks ElkyElky

Zack1

seeya23 wrote: »

thanks ElkyElky

Well done

seeya23

Zack1 wrote: »

Well done

thank you zack1 i will get my start date today

BugsyBrowne

Oh well sygma increased my credit limit to 1300 today..

PROLIANT

star-fire wrote: »

Oh well sygma increased my credit limit to 1300 today..

Well done, from what? £1K?