The Sub Prime Credit Thread - Part V

onefortheroad_2

Morning ..:j

ElkyElky

Dell now uses Creation finance just incase anyone is thinking of buying a computer or other eletronic gadgetry.

Is Santander winding down their store finance? It seems all the businesses are switching to Creation.

talisay

ElkyElky wrote: »

Dell now uses Creation finance just incase anyone is thinking of buying a computer or other eletronic gadgetry. .

So do PC World, Maybe that means Curry's do as well but don't know

stephane_2

talisay wrote: »

So do PC World, Maybe that means Curry's do as well but don't know

curry's as well.....

onefortheroad_2

stephane wrote: »

curry's as well.....

and scs & dfs & dreams aswell if you need a new sofas or a new bed

brians_daughter

well, 6 months to the day that sygma refused me they have now accepeted me on the silver with a 1k limit and 24.9%! I cant see whats different on my report that wasnt there 6 months ago..but there you go!

ElkyElky

brians_daughter wrote: »

well, 6 months to the day that sygma refused me they have now accepeted me on the silver with a 1k limit and 24.9%! I cant see whats different on my report that wasnt there 6 months ago..but there you go!

A further 6 months credit history, address history and length of time with your bank. It could be the simpliest thing that's helped.

Congratulations. :beer:

onefortheroad_2

brians_daughter wrote: »

well, 6 months to the day that sygma refused me they have now accepeted me on the silver with a 1k limit and 24.9%! I cant see whats different on my report that wasnt there 6 months ago..but there you go!

you have more green 000.s brians daughter and Congratulations

si0001

Hi guys,

I've just finished reading all 119 pages of this thread :shocked:

Hoping I could get a little advice.

Some background info. I managed to get myself into a rather a lot of debt a few years ago. Partly by been totally irresponsible and partly through circumstances. Anyhow, when my debt spiral began appraoching 50k, I had that lightbulb moment and entered into an IVA.

Fast forward 5 years, I made my final payment last month so I'm just waiting for the paperwork to be completed.

During my IVA process, neither Experian or Equifax recorded my IVA and I was able to get a full current account with Smile (no overdraft) and 5 months ago, I opened a current account with A&L (1k overdraft) for the free £100.

I'm currently looking to get hold of a credit card, not to start spending on as I earn a pretty good wage (50k+) and have over 2k spare to spend each month so I pay for everything in cash. There are some occassions where I need a credit card though such as for car hire.

I applied for a CC with Santander as I was with A&L but was declined. I looked at my experian/equifax reports and this is what I saw:

Experian:
1 Default (10k) from 5 years ago
Smile current account (5 years old) all greens
O2 contract (4 years old) all green
Santander current account (5 months old) all green

Equifax:
7 Defaults (48k) :eek: all 5 years old
Smile current account (5 years old) all greens
O2 contract (4 years old) all green
Santander current account (5 months old) all green

So my experian looks a lot better than my equifax.

Anyone give me any advice on which CC to apply for?

Thankies.

PARIS_5000

si0001 wrote: »

Hi guys,

I've just finished reading all 119 pages of this thread :shocked:

Hoping I could get a little advice.

Some background info. I managed to get myself into a rather a lot of debt a few years ago. Partly by been totally irresponsible and partly through circumstances. Anyhow, when my debt spiral began appraoching 50k, I had that lightbulb moment and entered into an IVA.

Fast forward 5 years, I made my final payment last month so I'm just waiting for the paperwork to be completed.

During my IVA process, neither Experian or Equifax recorded my IVA and I was able to get a full current account with Smile (no overdraft) and 5 months ago, I opened a current account with A&L (1k overdraft) for the free £100.

I'm currently looking to get hold of a credit card, not to start spending on as I earn a pretty good wage (50k+) and have over 2k spare to spend each month so I pay for everything in cash. There are some occassions where I need a credit card though such as for car hire.

I applied for a CC with Santander as I was with A&L but was declined. I looked at my experian/equifax reports and this is what I saw:

Experian:
1 Default (10k) from 5 years ago
Smile current account (5 years old) all greens
O2 contract (4 years old) all green
Santander current account (5 months old) all green

Equifax:
7 Defaults (48k) :eek: all 5 years old
Smile current account (5 years old) all greens
O2 contract (4 years old) all green
Santander current account (5 months old) all green

So my experian looks a lot better than my equifax.

Anyone give me any advice on which CC to apply for?

Thankies.

Try Capital One and Vanquis because Aqua is very hard to get.