Sub Prime Credit Card Club

Sammy_Girl

Hi Sharon :hello:

Welcome to the club!!! We're all in the same boat so ask any questions you like

RE the duplicate entries on your credit file. Do you check them online? If so, Experian and Equifax both have online dispute centres where you can send them a message if you have any query on the file. No account should be duplicated twice, especially not defualts or CCJs :eek: Drop them a line and they will reply - they are evry good at that.

I checked my files for the first time a few months ago and they weren't as bad as I thought lol. Definitely keep an eye on both of them!!

It gets really addictive this sub prime applying lark lol.....see Darcy he's the expert . I too would never have dreamed of applying for another card before this thread, I didn't even realsie sub prime cards existed lol.

Join in the chat anytime, there's normally someone here to chat with

S x

Sammy_Girl

Hey Darcy :j

So what have you applied for today?? You seem a little to keen on the Barclaycard lol

darcyvuqua

just scoping it out sammy getting the feel of it before im decliened hahahah

Sammy_Girl

darcyvuqua wrote: »

just scoping it out sammy getting the feel of it before im decliened hahahah

How is the CCJ dispute going? I still can't believe I got the Lowell default removed off my file. I might just have to try and get the legit ones removed lol - I may not be so lucky lol

darcyvuqua

then again you might be what you got to lose

clio

Who,s Lowell sammy, are they one of those really nice and friendly DCA ??

londonuk2008

PAULUK08 wrote: »

Just wondering if anyone had heard of a credit card 'Days out'? as it's a charity card , wondering what sort of limits they give also..

They are run by the same company that run my 'flybe' card - I dunno what sort of limit's they give . Someone on here might have one and know? But I notice they also offer 0% for six months.

Sammy_Girl

clio wrote: »

Who,s Lowell sammy, ae they one of those really nice and friendly DCA ??

They are just the friendliest DCA of them all lol. I spoke to a right turnip on the phone, and then I gave up and sent them a letter. Gonads.

PROLIANT

sharon-lalala wrote: »

:j Hi guys

Can i join your special club please? Been hanging around a while looking at the threads(absolutely brilliant) and gained some great advice(thought i would now come out of the shadows). I applied for the cap1 card and mbna and been accepted for both. Had it not been for this site i would never have dared to try for a credit card!! Checked my file on experian but too scared to check equifax. Score on experian is 607. Noticed they have recorded everything twice(not searches) but 1 default and 1 ccj is showing as 2!????
How do i contact the cra about this-is it best to put in writing? Any advice greatly appreciated :A .......and please keep this going guys- it really is the best!!xxxxxxx

Hi Sharon, welcome to MSE and the Sub Prime Credit thread, well done on getting the credit cards, another victory for the sub-prime borrower! :beer:

clio

A rght turnip lol \0/