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The Sub Prime Credit Thread - Part V

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The Sub Prime Credit Thread - Part V

edited 28 August 2010 at 11:39AM in Credit Cards
3.4K replies 273.8K views
never-in-doubtnever-in-doubt
20.6K posts
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edited 28 August 2010 at 11:39AM in Credit Cards
The Sub Prime Credit Thread - Part V

Welcome to the 5th edition of the fantastic Sub Prime Credit Thread, originally created by Proliant and followed up by CifPower. This thread contains all previous versions of the threads and all the Sub Prime deals available right now!

Sub Prime does not mean that it is not as good, it simply means that if your credit is far from perfect, you may be accepted by one of the companies below as their credit scoring model is designed to accommodate higher risk, whereas mainstream lenders' score a lot harsher meaning you're more likely to be refused.

Last Updated: 27 June 2010

Previous Threads.....
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:o 2010 - year of the troll :o

Niddy - Over & Out :wave:
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Replies

  • never-in-doubtnever-in-doubt
    20.6K posts
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    Hope you enjoy the new thread as much as the other 4! :beer:

    Lets now try and get it filled with gossip and success stories of people moving from sub prime to prime :D:D
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Cheers nid for the updated sub-prime thread..
    Done the barclays let me choose pre-application check yesterday,and it came up with the barclays platinum card for me with 70%-80% application success,just wondered how accurate or not accurate this is..
  • never-in-doubtnever-in-doubt
    20.6K posts
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    STAR-FIRE wrote: »
    Cheers nid for the updated sub-prime thread..
    Done the barclays let me choose pre-application check yesterday,and it came up with the barclays platinum card for me with 70%-80% application success,just wondered how accurate or not accurate this is..

    Morning mate

    Its extremely inaccurate! Apply and see LOL ;);)

    They have done an Equifax soft search (with the pre-app checker) so may as well let them do a full search...

    Let us know how you get on :beer:
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • kilasuitkilasuit Forumite
    634 posts
    Now only to get tesco to over turn their decline.

    3month Bank Statements and also 1 month Credit Card Statement.

    Oh and cheers N-I-D for the appeal template.
    £12000 to go
    Sealed pot = £5.84

  • never-in-doubtnever-in-doubt
    20.6K posts
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    kilasuit wrote: »
    Now only to get tesco to over turn their decline.

    3month Bank Statements and also 1 month Credit Card Statement.

    Oh and cheers N-I-D for the appeal template.

    Best of luck matey - you'll need it with those beggars at Tesco! Fingers crossed..... :D:D
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Important update! We have recently reviewed and updated our Forum Rules and FAQs. Please take the time to familiarise yourself with the latest version.
  • Morning mate

    Its extremely inaccurate! Apply and see LOL ;);)

    They have done an Equifax soft search (with the pre-app checker) so may as well let them do a full search...

    Let us know how you get on :beer:

    I am not going to apply just wanted to know how accurate it is and what cards they would advise me on..
    I think i have done well have not applied for anything since april 19th,so think i will wait until october for my 6 months without any searches b4 i apply,i have a balance transfer card but really pretty soon i would like to get rid of my cap 1 and flybe and hopefully try and get hold of a decent purchase card..
  • Innocent_GuyInnocent_Guy Forumite
    5.4K posts
    Love the new thread!
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!

    Official SOS Club number 001 - Dry until 01.07.10
  • ElkyElkyElkyElky Forumite
    2.5K posts
    Love the new thread!

    It's like moving home. :D
    We’ve had to remove your signature. Please check the Forum Rules if you’re unsure why it’s been removed and, if still unsure, email [email protected]
  • never-in-doubtnever-in-doubt
    20.6K posts
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    Have a mooch here you guys, what do you think?

    Sygma Bank Credit Cards
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • DizzleUKDizzleUK Forumite
    569 posts
    Have a mooch here you guys, what do you think?

    Sygma Bank Credit Cards

    Tis good info there.
    Hopefully 2011 will be the year I can re-enter the Prime market and Sygma will be my first port of call (if I can't get a Sygma then I won't get anything else considered prime!)

    Come the end of January 2011 I will be 12 months without a late payment marker and there will be no defaults or CCJs on my files and there will be no more searches this year and I have only made 4 in the last 6 months. I will also have been living at this address for a full year (after living at my previous address for 6 years) and am already on the electoral role.

    Can't ask for more than that!
    Remember this: nothing worth doing is easy.

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