Sub Prime Credit Card Club

londonuk2008

:rolleyes:
I know the X-factor!! I supose I like it a little..............OK FINE I ADMIT its good.

:mad:

Sammy_Girl

londonuk2008 wrote: »

On a lighter note did anyone watch 'Peter Kay's' comedy last Sunday?

No, I missed it I hope they repeat it.

Was reading all about it in Heat magazine, along with Jodie Marsh's lesbian antics lol

CompletelyLost

londonuk2008 wrote: »

If you have no credit issues I would try , it may depend how long you have been here and what is registered in your name already.

Hmm I shouldn't have any credit issues... I've never missed a payment on my Lloyds card or anything like that. What sort of things registered in my name do you mean?

I think I'll give it a shot... I'd rather go for the Vanquis card for the £20 cashback -- the interest rate isn't as issue as I'll be paying off in full every month anyway.

evanjonesaber

There's nothing wrong with liking the x factor mr london :P it's good for your metrosexual side :P

PROLIANT

Evening all!

sscott5581

Sammy_Girl wrote: »

Please save me trawling through previous pages lol. Exactly what nasties do you have showing on your credit file at this particular time. When were they recorded and when were they settled (if applicable).

Also, what active cards/loans do you currently have and what are their limits and current balances.

Sorry for being nosey, but these would help me make a fair assessment

Hi Sammy, pleasure to share this information. Let me know if you need any other details.

Equifax
Four defaults registered May 2003, settled May 2003 due to come of file May 2009.

Two accounts (serious arrears ‘6’ but not default) settled May 2003 due to come of file May 2009.

Bankruptcy May 2003, discharged May 2006 (live in Scotland and sequestration was three years back then), due to come of file May 2009

Experian
Four defaults registered May 2003, settled May 2003 due to come of file May 2009.

Bankruptcy May 2003, discharged May 2003 (live in Scotland and sequestration was three years back then), due to come of file May 2009.

Call Credit
Two defaults registered May 2003, settled May 2003 due to come of file May 2009.

Bankruptcy May 2003, discharged May 2003 (live in Scotland and sequestration was three years back then), due to come of file of file May 2009.

Credit Cards/Current Accounts/Catalogues see my signature. Also have two contract phones with 02 one account has been opened since May 2003.

Balances paid off each month – purely use my credit accounts to re-build my credit score/history.

Citibank Current Account with £500 overdraft opened December 2006 closed February 2008, showing as settled account with Experian and Nationwide Basic Flex opened May 2003 and closed February 2008, showing as settled with all CRA’s.

Have no adverse information recorded on my files since May 2003 and now plenty of ‘green’s’.

Roll on next May then will have perfect files!!

Regards
Steven

PROLIANT

evanjonesaber wrote: »

There's nothing wrong with liking the x factor mr london :P it's good for your metrosexual side :P

Metrosexual? Does that mean like humping trains?

londonuk2008

I mean if you have exsiting credit accounts and maybe BT line. Give them a try.?
Good luck.

londonuk2008

he's back......

Sammy_Girl

CompletelyLost wrote: »

Hmm I shouldn't have any credit issues... I've never missed a payment on my Lloyds card or anything like that. What sort of things registered in my name do you mean?

I think I'll give it a shot... I'd rather go for the Vanquis card for the £20 cashback -- the interest rate isn't as issue as I'll be paying off in full every month anyway.

Hi, have you checked your credit reports to make sure they're ok. You get a free 30 day trial with both Equifax and Experian online I believe. Do a search for credit reports on the home page, and it will bring up an article that mratin has written on the subject of credit reports - very interesting reading

Unfortunately, little or no credit can be viewed by lenders just as risky as bad credit.

Good luck, and keep us updated on how you get on