The Sub Prime Credit Thread - Part V

Brian1966

Red_Rabbit wrote: »

I used to love that program. remember the magic roundabout? it was all about drugs lol.

DRUGS!!! AS IN WHAT..Paracetamol.... Anadin...cough mixture :rotfl:
Dont remember Ermintrude or Zebidee smoking a joint :rotfl:
Ah well ...offf to sweet slumberland now...night all...not nytol that's another drug.. a medicine to make you sleep...I prefer alcohol

Red_Rabbit

Brian1966 wrote: »

DRUGS!!! AS IN WHAT..Paracetamol.... Anadin...cough mixture :rotfl:
Dont remember Ermintrude or Zebidee smoking a joint :rotfl:
Ah well ...offf to sweet slumberland now...night all...not nytol that's another drug.. a medicine to make you sleep...I prefer alcohol

lol no silly! it was about speed and being spaced out. they never smoked joints it was more what they said. remember in rainbow they would say things like oooh george stop playing with bungles hard thing and then they'd say ok children have a guess what george is playing with.

lol its funny thinking back to those days when innocent things were innocent, withought the PC briggade getting involved

night brian. sleep well

Zack1

Has anyone else here tried Cap1 manual increase? I'm thinking of saying I want £500 now my Natpest is closed.... and hope they decide before Sygma appears on my credit file

ElkyElky

Zack1 wrote: »

Has anyone else here tried Cap1 manual increase? I'm thinking of saying I want £500 now my Natpest is closed.... and hope they decide before Sygma appears on my credit file

They won't budge. Their entire being is controlled by the computer and if computer says no, it means no! :rotfl:

Zack1

onefortheroad wrote: »

or do this with capone

ElkyElky wrote: »

They won't budge. Their entire being is controlled by the computer and if computer says no, it means no! :rotfl:

So what's the point in having a manual review department!? And computer is never going to tell me I can have an increase at this rate! We'll see what happens Thursday when my statement comes out... I'd bet (ironic for me ) that it's still £200

Which CRA do Cap1 search anyway? If it's Equifax I might try it, that file isn't too bad! Experian is probably a shambles (a bit like their company....)

I'm thinking of closing it down when I get an increase from Aqua and JJB, then I can try and get one from Halifax. I appear to have reached my limit though (~£600), as I have only been accepted for JJB after I closed Natpest. I don't understand it though, I say I have income of 12k, I thought you could have 50%... I have more like 5%! Obviously student status works against me, but only Aqua wondered if the 12k was true or not, the rest of them either accepted or declined (and if they've added a suspected fraud marker it clearly hasn't affected me). So if they see and believe 12k why not give me more credit!?

ElkyElky

Zack1 wrote: »

So what's the point in having a manual review department!? And computer is never going to tell me I can have an increase at this rate! We'll see what happens Thursday when my statement comes out... I'd bet (ironic for me ) that it's still £200

Which CRA do Cap1 search anyway? If it's Equifax I might try it, that file isn't too bad! Experian is probably a shambles (a bit like their company....)

I'm thinking of closing it down when I get an increase from Aqua and JJB, then I can try and get one from Halifax. I appear to have reached my limit though (~£600), as I have only been accepted for JJB after I closed Natpest. I don't understand it though, I say I have income of 12k, I thought you could have 50%... I have more like 5%! Obviously student status works against me, but only Aqua wondered if the 12k was true or not, the rest of them either accepted or declined (and if they've added a suspected fraud marker it clearly hasn't affected me). So if they see and believe 12k why not give me more credit!?

I think you're just a little too impatient. Don't close any more cards down! Each of those accounts contributes to your credit file and makes it that little bit better. How else are you going to get the green 0's if you close any more accounts?

Leave things as is for the moment and focus on building some more history for when you apply to Halifax. Wait until some searches drop off your file and you gain another few months of greens. :j

Zack1

ElkyElky wrote: »

I think you're just a little too impatient. Don't close any more cards down! Each of those accounts contributes to your credit file and makes it that little bit better. How else are you going to get the green 0's if you close any more accounts?

Leave things as is for the moment and focus on building some more history for when you apply to Halifax. Wait until some searches drop off your file and you gain another few months of greens. :j

Yea that's the other problem I thought of the other day, both of the "main" accounts could be gone soon - Natpest CC has gone with about 14 months history and o2 I could tell to get lost when they refuse to give me a decent retentions deal in October, that would be 18 months history.

Then I'd be only be left with Cap1, which would be Nov 2009, so only a year, and Aqua/Sygma, which are both newer. So might have to keep Cap1 Problem is Capital One and their never increasing £200 is useless to me, so would rather it was gone completely than staying and playing a part in Halifax declining me

The searches all drop off in February (for 6 months), thought above that didn't matter? That's why Cap1 would need to go about Nov/Dec if I close it

ElkyElky

Red_Rabbit wrote: »

I think what got me was when izools was saying he hoped to replace never in doubt, but wouldn't be as defensive. Cheek! I doubt many could replace him for his wealth of knowledge but to name call is not fair, from what i'd seen all he done was spend time here helping people and maybe he got defensive because he knew his stuff so could argue his point till the cows came home lol

How do you know so much about NID when you've only been here for a matter of days?

BugsyBrowne

ElkyElky wrote: »

How do you know so much about NID when you've only been here for a matter of days?

Because he is most likely NID..
Think NID just well might be on here with 2-3 different names..

Stuckon100forever

Whats a NID? :rotfl: :rotfl: :rotfl: