The Sub Prime Credit Thread - Part V

aderw81

yay nice thread thx alot buddy

Kyresa

^^ spot the poster trying to up their post count to post links....!

Atom

big_Daddy_Dave wrote: »

will definately stop until after summer now.

also, this may be weird, i dont know i havent come across anyone discussing it.

would it be OK to constantly move money between 2 acounts, Im talking like twice a day moving different amounts back and forth to make it seem as though there is more money being paid into the account?

becuase I've seen some accounts say you must play a certain amount (mine doesnt) but I'm just wondering if doing that would be of any use? or just pointless?

Banks don't like you trying to make out you have more money coming in than you really have - theres a thread somewhere someone done this and there account was blocked pending ID checks - it looks suspicious.

edinburgher

Got my new Barclaycard Platinum today - £2000 limit - such an improvement on my £500 Cap1!

I am going to celebrate by.... not applying for any other cards until next year at the earliest, sure you'll all approve?

Kellpea

Hello,

I am a new user and looking for some advice....please.

I have never had any credit nor a bank account before in my name. Everything went through my ex partner... now we have been seperated for 6 months.

It wasn't until I went to apply for a private rented property and a bank account that I realised how much this having no credit would affect me.

I have managed to obtain a current account with Lloyds TSB, and I have a Next account..both secured in the last 3 months..but I am struggling to pass the criteria for Shop Direct catalogue, overdraft or a CC (with my bank)....any ideas?

Even Capital one have declined my application....Thankyou

edinburgher

I have managed to obtain a current account with Lloyds TSB, and I have a Next account..both secured in the last 3 months..but I am struggling to pass the criteria for Shop Direct catalogue, overdraft or a CC (with my bank)....any ideas?

That's your problem - too many applications in too short a space of time and your accounts are too recent for you to have really built up an individual credit history yet. Stay patient, stay away from credit applications for at least 6 months, make sure you're on the Electoral Roll and remain dilligent in paying your catalogue accounts etc.

big_Daddy_Dave

Atom wrote: »

Banks don't like you trying to make out you have more money coming in than you really have - theres a thread somewhere someone done this and there account was blocked pending ID checks - it looks suspicious.

didnt even know this. thanks. im not trying to just magically get a better rating, I just wanna create regular transactions.

/

i signed up to all my credit reports, equifax i got access to straight away, but Experian (why the hell is it so expensive?) and CallCredit are sending out pins.

my question is, I'm doing the 30 day trail with all 3, do the 30 days start from the date i ordered it, or the first time i log in?

I would phone them, but when i had issues signing up I was on hold with Experian for like 20 minutes, and the 15 minutes of trial and error pressing any number to get an adviser

Zack1

Probably the date you ordered it - that was the case with me, despite me requiring a postal PIN. I'd certainly go by that to be safe, any cancellation will be at the end of the 30 days anyway so cancel early to play it safe

big_Daddy_Dave

Yea they said the day i ordered

finally managed to log into my experian one, and i know scores dont really mean much but i just had to have a look, my score is 26 lol, didnt even think theyd go that low, probably because ive only got one thing showing up there, i dont know, also have 28 searches for the past year, i really need to start taking notes on searches so i dont do too many

Atom

26 lol is that a record ? big Daddy Dave you may have the lowest credit score in the UK lol am just playing mate - mines was 28 at one point lol.