The Sub Prime Credit Thread - Part V

PinkPrincess

I have a current account with Barclays and I received a letter from them today which is a Barclaycard initial offer application form? Do they send these out to everyone or is it a pre-approved offer? Thanks in advance

KingElvis

PinkPrincess wrote: »

I have a current account with Barclays and I received a letter from them today which is a Barclaycard initial offer application form? Do they send these out to everyone or is it a pre-approved offer? Thanks in advance

For risk of repeating myself, try the pre application checker to be sure, see a few posts up

I would think it will be sent out to likely customers but will still be assesed and credit scored.

onefortheroad_2

PinkPrincess wrote: »

I have a current account with Barclays and I received a letter from them today which is a Barclaycard initial offer application form? Do they send these out to everyone or is it a pre-approved offer? Thanks in advance

yes i got one today aswell . just put it in the bin lol and dont forget you have to apply by some date in nov so be fast
http://www.barclaycardoffer.co.uk/dm_landing/329.html?url=CRED662&MC=662QDZ&PC=1330&TC=DMN0260006&WT.mc_id=DMN0260006

onefortheroad_2

PinkPrincess what credit do you have at mo. what.s your credit file like

PinkPrincess

KingElvis wrote: »

For risk of repeating myself, try the pre application checker to be sure, see a few posts up

I would think it will be sent out to likely customers but will still be assesed and credit scored.

Sorry but I don't have the time to read every post on this thread, I only read those which are in direct reply to mine but thanks anyway.

PinkPrincess

onefortheroad wrote: »

PinkPrincess what credit do you have at mo. what.s your credit file like

Well I didn't have any credit at all until the beginning of this year and got frustrated when I kept getting declined for credit due to a lack of credit history so I did something about it!

I've now got a credit history from Feb this year with all payments on approx 10 accounts paid on time each month, but I have a default on my file from 2 years ago at a previous address, where I had a dispute over a bill with a telecommunications company, and it got into 4 months arrears before it was settled.

I was on the electoral roll at my previous address for 1 year 4 months but I still haven't gotten round to enrolling myself at my current address

I've got quite a few searches on my file too

I've checked my credit file on both Experian and Equifax and on Equifax I'm in the 'Fair' category with a credit rating of 360 and on Experian I'm in the 'Poor' category with a credit rating of 674.

So I don't really know where I am on the scale to be honest!!!

onefortheroad_2

give it about a year then apply for a Sygma Bank Credit Card

BugsyBrowne

PinkPrincess wrote: »

Well I didn't have any credit at all until the beginning of this year and got frustrated when I kept getting declined for credit due to a lack of credit history so I did something about it!

I've now got a credit history from Feb this year with all payments on approx 10 accounts paid on time each month, but I have a default on my file from 2 years ago at a previous address, where I had a dispute over a bill with a telecommunications company, and it got into 4 months arrears before it was settled.

I was on the electoral roll at my previous address for 1 year 4 months but I still haven't gotten round to enrolling myself at my current address

I've got quite a few searches on my file too

I've checked my credit file on both Experian and Equifax and on Equifax I'm in the 'Fair' category with a credit rating of 360 and on Experian I'm in the 'Poor' category with a credit rating of 674.

So I don't really know where I am on the scale to be honest!!!

Well for the next 4 years until your default falls off you are a very high risk when it comes to lending.

onefortheroad_2

star-fire wrote: »

Well for the next 4 years until your default falls off you are a very high risk when it comes to lending.

not true mate other posters on here have a got silver card with defaults and i ve got a 4 years old ccj on my file and still got a silver card

BugsyBrowne

onefortheroad wrote: »

not true mate other posters on here have a got silver card with defaults and i ve got a 4 years old ccj on my file and still got a silver card

Yes mate very true actually quite a few have have got the silver cards with a few discrepancies on their report.

Think with the big lenders out there it would be a complete different story getting accepted with a default though.