Sub Prime Credit Card Club

PROLIANT

darcyvuqua wrote: »

not yet so fingers crossed

Have you tried Aqua yet?

darcyvuqua

dolally wrote: »

I have 2 settled defaults from 2005 and the rest seems ok I think.
Best of luck with HSBC.

when where they settled if you dont mind me asking

darcyvuqua

PROLIANT wrote: »

Have you tried Aqua yet?

yeah i did about 4 months ago and guess what





a big fat NO lol

dolally_2

darcyvuqua wrote: »

when where they settled if you dont mind me asking

Settled in 2005.

Do you have a bank account? I only ask as I have a Natwest Step but they have reported to the CRA's from the day I opened it and have it listed as a current account - it has left me with a load of green zero's!

If you are giving the credit searches a break just now then it might be one to consider in the future.

darcyvuqua

mr p hsbc checked all 3 cra's for me as i have just checked so i think another refusal for me!!

PROLIANT

darcyvuqua wrote: »

mr p hsbc checked all 3 cra's for me as i have just checked so i think another refusal for me!!

Strange, they only checked Call Credit for me, I will keep my fingers crossed for you mate.

louiser123

hsbc checked experian for me must be random checks, who knows really what they do for sure they are a law unto themselfs!! lol

darcyvuqua

can i ask how long after you settled your defaults did it take affect on your file score as i only payed mine off in july and my score went down by 103 points i had just moved too and that took it down by 76 point

darcyvuqua

my question was for dolally

dolally_2

It has been about 6 months since I finished paying off old debts, although some still show as "arrangement to pay" on my file.
My defaults were registered in 2005 and noted as settled, although they had just been passed to DCA's (nothing from them on my equifax file).
I will know more when my card arrives as I get a years free membership with credit expert so will be able to see what my experian file says.

Not sure if any of this helps but maybe if you wait until after christmas you will have more luck.
Do you have anything on your file (bank account/mobile 'phone etc?)

I am going to try and get my defaults removed by doing what is suggested here:

http://www.learnmoney.co.uk/credit-c...lt_notice.html

Sorry I couldn't be more help.

Forgot to say that your Littlewoods account should help to rebuild your rating so try not to panic too much.
Having said all this I did choke on my cup of tea when I got accepted by bos so what would I know!!