Can't believe it!

sammie28

samtoby wrote: »

What is your credit background to have got there now - I'm on an improving mission.......

samtoby - I made a real mess of things in the past! Recently just had a ccj drop off. I still have a satisfied default showing on Exp and Call credit that is 5 years and 2 months old. Also some late payments from a linked address that are over 5 years old that show on Equifax and Exp.
But the last 5 years i have been very sensible, only had 1 late payment, which was a genuine mistake (was in hospital at the time and forgot payment was due)
I do have a car Hp agreement with creation which i have had 18 months, no missed payments, so that may of helped.
I think the fact that i have run my accounts well for the last 5 years has helped alot. Yes there is still adverse info on my file but it is over 5 years old. Definately worth getting someone to look at it manually

BugsyBrowne

chanz4 wrote: »

doesnt that break the rules? and I wonder why

Probably but his posts are not as half in depth like they used to be.

carol1963_2

Morning All, Can someone please point me in the direction of the template by NID? I too, when I did an on-line query as to whether if could get the Flybe credit card was refused. Thanks.

samtoby

sammie28 wrote: »

samtoby - I made a real mess of things in the past! Recently just had a ccj drop off. I still have a satisfied default showing on Exp and Call credit that is 5 years and 2 months old. Also some late payments from a linked address that are over 5 years old that show on Equifax and Exp.
But the last 5 years i have been very sensible, only had 1 late payment, which was a genuine mistake (was in hospital at the time and forgot payment was due)
I do have a car Hp agreement with creation which i have had 18 months, no missed payments, so that may of helped.
I think the fact that i have run my accounts well for the last 5 years has helped alot. Yes there is still adverse info on my file but it is over 5 years old. Definately worth getting someone to look at it manually

I think I am a long way off this my oldest adverse is two years but I think I am making progress. I have Luma, Very which has been increased twice since original limit and JD Williams which is increased every month pretty much but only a yr old accounts so I am a long way off all that. Does Creation except adverse normally?

x

BugsyBrowne

samtoby wrote: »

I think I am a long way off this my oldest adverse is two years but I think I am making progress. I have Luma, Very which has been increased twice since original limit and JD Williams which is increased every month pretty much but only a yr old accounts so I am a long way off all that. Does Creation except adverse normally?

x

Yes creation does accept adverse history applicants depending on what creation card you apply for as many of got these cards with past defaults etc.

Flick through their slightly higher APR cards with short 0% deals.

sammie28

Carol, it is in the Credit Card section, Title is something like - Been Declined Appeal Template

fermi

Can only assume this one?

https://forums.moneysavingexpert.com/discussion/1612333

sammie28

Yeah that's the one. (Didn't know how to post a link to it)

chanz4

BugsyBrowne wrote: »

Probably but his posts are not as half in depth like they used to be.

Couldnt stand the guy, it was his way or no way and didnt listen to reason. Im wrong now and again, but he never excepted even when he was.

I also think he was a guy with huge debts, and looked at anyway to escape debts