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  • darcyvuqua
    darcyvuqua Posts: 2,459 Forumite
    PROLIANT wrote: »
    I would wait at least a year from when you last did an application, each search knocks 30 points approx off you score.
    are you serious thats well bad so i have 30 recorded searches that will be why my score is 337 lol
    you cant change yesterday
    but you can make tomorrow better
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    darcyvuqua wrote: »
    are you serious thats well bad so i have 30 recorded searches that will be why my score is 337 lol
    Better than mine wor kid:

    EXPERIAN.jpg
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • rebuilding_credit
    rebuilding_credit Posts: 10 Forumite
    Hi everyone this thread is great,

    My finances hit a massive low 3 years ago when i became very ill and couldnt work and i got 14 defaults and 2 ccjs ever since even though im back at work no one would give me anything i tried them all cap1, vanquis, aqua, monument, catalogues everyone declined me flat, then i got a halifax basic bank account 2 years ago and in april they upgraded me to a normal current account with a £100 overdraft it was like chistmas I have never been so excited finally a chance to prove i am now sensible and improve my credit rating, unfortunately being an idiot i got carried away and applied to all the subprimers for a card so i can rebuild my rating only to have them all turn me down again, now I have an even lower score,
    BUT suprise, suprise I opened a CREDIT AGREEMENT from cap 1 today which i signed and sent straight back I can now finally get back on track, I will make my payments and not do any more searches im so excited i had to share it with you all,
    now ive given you my life story i will ask my question,
    whats the difference between the cap1 classic card and the others because I applied for one with a monkey on it and disapointingly im getting the plain blue one( well not disapointingly im still very happy), i was just hoping someone could tell me?
    thanks for reading :j
  • darcyvuqua
    darcyvuqua Posts: 2,459 Forumite
    is that seriously your score i refuse to believe you have a score of 76
    you cant change yesterday
    but you can make tomorrow better
  • darcyvuqua
    darcyvuqua Posts: 2,459 Forumite
    rebuilding_credit wrote: »
    Hi everyone this thread is great,

    My finances hit a massive low 3 years ago when i became very ill and couldnt work and i got 14 defaults and 2 ccjs ever since even though im back at work no one would give me anything i tried them all cap1, vanquis, aqua, monument, catalogues everyone declined me flat, then i got a halifax basic bank account 2 years ago and in april they upgraded me to a normal current account with a £100 overdraft it was like chistmas I have never been so excited finally a chance to prove i am now sensible and improve my credit rating, unfortunately being an idiot i got carried away and applied to all the subprimers for a card so i can rebuild my rating only to have them all turn me down again, now I have an even lower score,
    BUT suprise, suprise I opened a CREDIT AGREEMENT from cap 1 today which i signed and sent straight back I can now finally get back on track, I will make my payments and not do any more searches im so excited i had to share it with you all,
    now ive given you my life story i will ask my question,
    whats the difference between the cap1 classic card and the others because I applied for one with a monkey on it and disapointingly im getting the plain blue one( well not disapointingly im still very happy), i was just hoping someone could tell me?
    thanks for reading :j

    are they paid defaults? thats well good :beer:
    on the other hand aaarrrrrrgggghhhhhhhh everyone but me has one haha.:mad: lol
    you cant change yesterday
    but you can make tomorrow better
  • COOKIEWILLOW
    COOKIEWILLOW Posts: 579 Forumite
    PROLIANT wrote: »
    Better than mine wor kid:

    EXPERIAN.jpg
    This is what i cant understand pro? 76!!!! mu hubbys is similar to yours and he has 29!! ive got late payments etc and mines 513? its all a fallacy,
    DFW NERD....560

    :hello: hello everyone

    Mai`ch a**e chwytha i fyny ai ach`n frwnt ata!!!:p
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    darcyvuqua wrote: »
    is that seriously your score i refuse to believe you have a score of 76
    Oh yea baby yea, thats my score, !!!! the score, look at this man it !!!!in mint! :T
    http://uk.youtube.com/watch?v=Qfm8Eqn5OuY
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • COOKIEWILLOW
    COOKIEWILLOW Posts: 579 Forumite
    darcyvuqua wrote: »
    are they paid defaults? thats well good :beer:
    on the other hand aaarrrrrrgggghhhhhhhh everyone but me has one haha.:mad: lol

    and on my LEPER hand AAAAARRRRGGGGGHHHHHHH, Who needs em Darcy, sob
    DFW NERD....560

    :hello: hello everyone

    Mai`ch a**e chwytha i fyny ai ach`n frwnt ata!!!:p
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    Day in the life of a typical pregnant Geordie!
    http://uk.youtube.com/watch?v=rbr360SR188
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • COOKIEWILLOW
    COOKIEWILLOW Posts: 579 Forumite
    PROLIANT wrote: »
    Oh yea baby yea, thats my score, !!!! the score, look at this man it !!!!in mint! :T
    http://uk.youtube.com/watch?v=Qfm8Eqn5OuY

    brill, freaky though
    DFW NERD....560

    :hello: hello everyone

    Mai`ch a**e chwytha i fyny ai ach`n frwnt ata!!!:p
This discussion has been closed.
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