The Sub Prime Credit Thread - Part V

ElkyElky

star-fire wrote: »

You and zach are going to end up being bankrupt like izools looking at £15k cars with no job..

Yeah, thanks for that. I can quite comfortably afford a 15k car. The amount of debt I have in comparison to my savings account balance is very miniscule however I need not go in to details.

Your concern for my financial situation is heartfelt, but really not needed. :j

BugsyBrowne

Zack1 wrote: »

6 years from the date of closure when your settled ones will drop off. As for seeing old CCJs, they may see it from the public (court) records search

Studio mail order company.... that could be 24 studio? http://www.24studio.co.uk/ I've got an account with them. The zzz is unused, probably for a pretty significant period of time to have zzz?




No you don't though - you take stabs at people with your totally unfounded accusations! You have absolutely nothing to justify it! I said I'm INTERESTED in that - of course I'd do affordability calculations before buying anything, especially something of that value! :rotfl:

You don't know me or my mindset and to suggest I'm on the path to bankruptcy based on the fact I want a nice car is disgraceful! I've just been given £500 on a credit card and £250 on another... My bill between them at the end of the month.... £130~. To me that's not the spending pattern of somebody who's looking to go bankrupt!! Clown :mad:

Ok mate chill out,i was just pointing out 1 or 2 things..

Are you working zack.

wizzywig27

Zack1 wrote: »

6 years from the date of closure when your settled ones will drop off. As for seeing old CCJs, they may see it from the public (court) records search

Studio mail order company.... that could be 24 studio? http://www.24studio.co.uk/ I've got an account with them. The zzz is unused, probably for a pretty significant period of time to have zzz?

But Zack, I dont have an account with them, they declined me.....and it is showing as a credit account - gimps :mad:

I dont have any CCJ's chap

TheEffect

Aqua Card was raised to £700 limit today. I only use it for the odd internet purchase and don't even know the pin number for it. CapitalOne is at £800 and £350 student CC with NatWest.

My Equifax file is spotless (4 credit searches in 12 months) and all green marks for 2 years nearly, so I'd imagine I could easily get a Flybe Credit Card, but as I'm going to uni, I don't want to have any more credit available to me.

I need to let the searches fall off on experian and I'll have a spotless credit rating in 8-10 months.

BugsyBrowne

ElkyElky wrote: »

Yeah, thanks for that. I can quite comfortably afford a 15k car. The amount of debt I have in comparison to my savings account balance is very miniscule however I need not go in to details.

Your concern for my financial situation is heartfelt, but really not needed. :j

Thankyou Elky anytime.

sutton111

ElkyElky wrote: »

Yeah, thanks for that. I can quite comfortably afford a 15k car. The amount of debt I have in comparison to my savings account balance is very miniscule however I need not go in to details.

Your concern for my financial situation is heartfelt, but really not needed. :j

Well to add to theat 1 billion overdraft, can you buy me a new card too?

Pretty please :A

ElkyElky

sutton111 wrote: »

Well to add to theat 1 billion overdraft, can you buy me a new card too?

Pretty please :A

LOL I'll have to be careful with that £billion overdraft, wouldn't want to get myself in to trouble. :rotfl:

sutton111

ElkyElky wrote: »

LOL I'll have to be careful with that £billion overdraft, wouldn't want to get myself in to trouble. :rotfl:

Haha, yeah, you don't want Star-Fire on your back lol

Perhaps if they gave it to you for 25 yrs at 0% rate lol

ElkyElky

sutton111 wrote: »

Haha, yeah, you don't want Star-Fire on your back lol

Perhaps if they gave it to you for 25 yrs at 0% rate lol

I would actually do a runner if I had an OD that size. Even if they had given it out in error, it would be transferred out of my account quicker than they can blink. :money:

Zack1

Elky can you send me a fiver of that billion please, I've got no money left :(

star-fire wrote: »

Ok mate chill out,i was just pointing out 1 or 2 things..

Are you working zack.

They don't concern you, and seriously I'd be amazed if you genuinely thought you needed to point that out for my benefit, considering my signature!

And like Elky I have savings (and am going to need them now those muppets at student finance have done away with my grant too). That to me also isn't the sign of somebody wanting to go bankrupt! :rotfl: If I was, I'd blow them and then start on the credit cards!

wizzywig27 wrote: »

But Zack, I dont have an account with them, they declined me.....and it is showing as a credit account - gimps :mad:

I dont have any CCJ's chap

Hmmm weird.... dispute it with Equifax to find out if it is them or not. As it's inactive it may be harming you by being there (why would you open an account that you aren't going to use?). Plus it probably counts against you in affordability calculations too because you have £X you could use if you needed to.

See what Equifax have to say, unlike Experian, they've always been helpful with me!

TheEffect wrote: »

Aqua Card was raised to £700 limit today. I only use it for the odd internet purchase and don't even know the pin number for it. CapitalOne is at £800 and £350 student CC with NatWest.

My Equifax file is spotless (4 credit searches in 12 months) and all green marks for 2 years nearly, so I'd imagine I could easily get a Flybe Credit Card, but as I'm going to uni, I don't want to have any more credit available to me.

I need to let the searches fall off on experian and I'll have a spotless credit rating in 8-10 months.

How many months have you had that Aqua card for?