The Sub Prime Credit Thread - Part V

Dr_Cuckoo3

never-in-doubt wrote: »

Dude turn your PM's on lol

I am a man of mystery :cool:

never-in-doubt

Dr_Cuckoo3 wrote: »

I am a man of mystery :cool:

LOL, ok - be like that then


* Niddy sulks in corner like spoiled brat! :rotfl:

fairmorn308

good evening NID hows you?

never-in-doubt

fairmorn308 wrote: »

good evening NID hows you?

Hiya

Just flying in to update few things - then off again. Hows things with you, see you're doing mighty fine for yourself egain? Nice one :money:

fairmorn308

never-in-doubt wrote: »

Hiya

Just flying in to update few things - then off again. Hows things with you, see you're doing mighty fine for yourself egain? Nice one :money:

Yes am doing well again. Just trying to sort out a few things tax side of things neway.

All set of getting a mortgage before next april so am getting excited about it all.

Anything new with yourself?

plumber2009

Hi all, been offline for a while as i had recently gone bankrupt.

I was wondering wether anybody on here can advise me about rebuilding my credit rating as i cannot see how to go about this as i am now bankrupt.

I would like to start off with a mobile phone contract but dont know which provider to approach. (I have spent over £30 in 2 weeks on payg.)

I have been allowed to keep my lloyds tsb current account open and i have opened a co-op cashminder account as a backup. I was also able to keep my virgin media account open. So i currently have 2 accounts still reporting green zeros to the 3 refrence agencies.

I cannot see myself getting a subprime credit card anytime soon as i had taken down a capital one and a vanquis card so my options are extreamly limited. The only subprime card i did not have was aqua and i dont want to apply for this card until i am sure i have a good chance as i dont want to screw up my credit history again. Also i dont need to have a credit card at the moment.

Any help/advice would be greatly appreciated.

BugsyBrowne

plumber2009 wrote: »

Hi all, been offline for a while as i had recently gone bankrupt.

I was wondering wether anybody on here can advise me about rebuilding my credit rating as i cannot see how to go about this as i am now bankrupt.

I would like to start off with a mobile phone contract but dont know which provider to approach. (I have spent over £30 in 2 weeks on payg.)

I have been allowed to keep my lloyds tsb current account open and i have opened a co-op cashminder account as a backup. I was also able to keep my virgin media account open. So i currently have 2 accounts still reporting green zeros to the 3 refrence agencies.

I cannot see myself getting a subprime credit card anytime soon as i had taken down a capital one and a vanquis card so my options are extreamly limited. The only subprime card i did not have was aqua and i dont want to apply for this card until i am sure i have a good chance as i dont want to screw up my credit history again. Also i dont need to have a credit card at the moment.

Any help/advice would be greatly appreciated.

As i don't want to screw up my credit history again,that is a under statement think personally your credit file is trashed at the moment and will be for sometime unfortunately,i have heard aqua as a sub-prime card can be quite strict as many people who are not bankrupt struggle to get that card.

I think you may well struggle to get credit to rebuild your credit history at the moment TBH,a friend of mine went bankrupt 2 years ago think he went to barclays and opened up an account and got a debit card as well.

You will get there in the end just take time.

marilyna

Does anyone know roughly how long it takes for CRA's to update information from lenders?

I have just had a look at my credit reports, and the last time HSBC updated my accounts, was two months ago.:mad:

I wonder whether it would have been the case if I had defaulted.

None of my new accounts are showing either.

How long does it take for new accounts to be listed?

Cash_Flow

plumber2009 wrote: »

Hi all, been offline for a while as i had recently gone bankrupt.

I was wondering wether anybody on here can advise me about rebuilding my credit rating as i cannot see how to go about this as i am now bankrupt.

I would like to start off with a mobile phone contract but dont know which provider to approach. (I have spent over £30 in 2 weeks on payg.)

I have been allowed to keep my lloyds tsb current account open and i have opened a co-op cashminder account as a backup. I was also able to keep my virgin media account open. So i currently have 2 accounts still reporting green zeros to the 3 refrence agencies.

I cannot see myself getting a subprime credit card anytime soon as i had taken down a capital one and a vanquis card so my options are extreamly limited. The only subprime card i did not have was aqua and i dont want to apply for this card until i am sure i have a good chance as i dont want to screw up my credit history again. Also i dont need to have a credit card at the moment.

Any help/advice would be greatly appreciated.

With all due respect you have just become debt free, why would you want to obtain new credit lines?

PARIS_5000

plumber2009 wrote: »

Hi all, been offline for a while as i had recently gone bankrupt.

I was wondering wether anybody on here can advise me about rebuilding my credit rating as i cannot see how to go about this as i am now bankrupt.

I would like to start off with a mobile phone contract but dont know which provider to approach. (I have spent over £30 in 2 weeks on payg.)

I have been allowed to keep my lloyds tsb current account open and i have opened a co-op cashminder account as a backup. I was also able to keep my virgin media account open. So i currently have 2 accounts still reporting green zeros to the 3 refrence agencies.

I cannot see myself getting a subprime credit card anytime soon as i had taken down a capital one and a vanquis card so my options are extreamly limited. The only subprime card i did not have was aqua and i dont want to apply for this card until i am sure i have a good chance as i dont want to screw up my credit history again. Also i dont need to have a credit card at the moment.

Any help/advice would be greatly appreciated.

I could be wrong but I thought while you bankrupt that you could not get any new credit or that is very hard to get credit while you are bankrupt.

With all due respect if you post on the bankrupt thread as well there will be people that have more knowledge about being bankrupt that can give you the right advice to help you with your questions.

Good luck.