Sub Prime Credit Card Club

evanjonesaber

metrosexual = straight but camp as xmas! or in touch with one's femineine side

clio

Aaggh are you in the lets make magpie baiting an olympic sport "club" lol....
I posted in their this morning ..

londonuk2008

evanjonesaber wrote: »

metrosexual = straight but camp as xmas! or in touch with one's femineine side

I know....maybe when she likes roleplay!!!;)

LOL!!!!!

evanjonesaber

LOL!

funny guy :P

PROLIANT

Role play? Is that like getting her to poke your @rse with a cucumber?

PROLIANT

Well, I am intouch with my femineine side...I love shopping and cooking, talking, gossip and playing with myself.

londonuk2008

PROLIANT wrote: »

Role play? Is that like getting her to poke your @rse with a cucumber?

would'nt go that far......:rolleyes:

linton73

PROLIANT wrote: »

Role play? Is that like getting her to poke your @rse with a cucumber?

maybe thats why your single mr p

give it a try you never know u might like it lol

Sammy_Girl

sscott5581 wrote: »

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

Hey Steven,

Well, 2009 is gonna be a good year for you!!! Prime High Street Lenders all the way :T

TBH, I think the bankruptcy would be your main hurdle with some of the potential lenders. But like you've seen already, it's a bit of pot luck. You have successfully received a number of cards, but been declined by others. If only we knew how lenders score us it would make things a lot more clearer and avoid uneccesary applications if we knew for certain that we didn't meet their criteria.

If I were you, I would lay off the applications until June when your file is completely clear of the nasties. Then you can pick and choose what cards to go for, as opposed to the other way round.

The plus points are; your current credit agreements aren't maxed out, you have available credit but choose not to use it (less risky to the lender than if you had no available credit) ; you have a decent job with a decent wage ( we all know you oil riggers are on mega money ); and you have shown good account activity since your discharge.

Really, the only negativity is the bankruptcy. Unfortunately, nothing to be done about that, but as you've seen they can still accept you based on your positives.

I'm rambling. Basically, 50/50 on getting the cards you've applied for. Your best bet is to lay off the searches until you get discharged, as the last thing you want is to have no bankruptcy or defaults, but are hit with a load of searches instead

Fairmorn graduates in May 2009, you lucky sod

PROLIANT

Sorry guy's, a little dry humour for a Saturday night, please accept my appologies in advance for any offence caused.