Nationwide Soft-Search

BugsyBrowne

BrandNewYear wrote: »

Defaulted bank account from late 2008. Otherwise perfect payment history. No CCJs etc.

Apart from the default you have a perfect payment history which means at the moment your credit report is screwed due to the default.

I do love these posts!

It's like someone selling a car and saying its Absoulutly fantastic inside and out but Unfortuantly it doesn't start.

BrandNewYear

RichL74 wrote: »

Without teaching your grandmother to suck eggs, it'll be the defaulted bank account then that is causing that APR and credit limit.

I'd be perfectly happy with the APR and credit limit that the soft search indicated. I just want a credit card. I don't want to run up big balances on it

BrandNewYear

BugsyBrowne wrote: »

Apart from the default you have a perfect payment history which means at the moment your credit report is screwed due to the default.

I do love these posts!

It's like someone selling a car and saying its Absoulutly fantastic inside and out but Unfortuantly it doesn't start .

The words condescending and !!!!! come to mind

BugsyBrowne

BrandNewYear wrote: »

The words condescending and !!!!! come to mind

How about this then if it makes you feel better you've got a spotless credit report that has a default on it which is not really looked at as a negative for a lender as the customer bless him/her could of forgot about the debt and the letter box where the debt letters were going could of been broke or the letters stolen.

BrandNewYear

BugsyBrowne wrote: »

and the letter box where the debt letters were going could of been broke or the letters stolen.

What does 'could of' mean? Is it similar to could HAVE?:eek::eek:

http://www.urbandictionary.com/define.php?term=could%20of

BugsyBrowne

BrandNewYear wrote: »

What does 'could of' mean? Is it similar to could HAVE?:eek::eek:

http://www.urbandictionary.com/define.php?term=could%20of

My Maths is better.

Brandnewyear+default=trashed credit report:D

jpb77

Wooo hoooo - just phoned Nationwide to find out where the heck is the card / paperwork and they said I was approved on 30 August (applied on 27th) so they are resending me the paperwork to sign then they said the card will be delivered in 7 - 10 days after that. I don't know where the original paperwork has gone though. Asked if the offer changed that I accepted and they said its still the same. 19.9% with £3200 limit 0% on purchases for 6 months.. So goodbye CAP1!!

Cash_Flow

BugsyBrowne wrote: »

My Maths is better.

Brandnewyear+default=trashed credit report:D

There really is no need to turn this forum into the Jeremy Kyle show.

Yes brand new year has a default which at a glance looks to be around 4 years old, it's not the end of the world Star Fire.

BugsyBrowne

Cash_Flow wrote: »

There really is no need to turn this forum into the Jeremy Kyle show.

Yes brand new year has a default which at a glance looks to be around 4 years old, it's not the end of the world Star Fire.

You've always been a lemon cash flow so go on run along theirs a good fruit.

jpb77

BugsyBrowne wrote: »

You've always been a lemon cash flow so go on run along theirs a good fruit.

Can we please get back to the original topic. Take your arguments elsewhere please.