Sub Prime Credit Card Club

sharon-lalala

Brian1966 wrote: »

Hi All
Posted the other night just looking for some advice.
I have 3 defaults from 2004/2005.
Now looking to rebuild a good credit rating after the birth of my little boy recently to help provide for his future.
I have recently got a full account with Natwest, cheque book but solo card.
Have 4 accounts with Jd Williams group, 2 limits of £125, 1 of £200 and one at £250, alsoa Vanquis card with £250 limit.
Checking my Experian report earlier an old Provident account has just appeared with loads of green zero's which is a bonus.
Tried for Great universal catalogue today, REJECTED, turned down by Next and littlewoods a month ago.
Any advice for further improvement really appreciated

Hiya Brian
Have you tried Aqua or MBNA for a cc? You dont say how many searches you have-also are you on the electoral roll?- as i understand this has a big impact
on your credit status.
On the plus side you have the bank account and credit with the catalogues so thats a really positive start.:j
If its any help-i have managed additions, studio and littlewoods but not simply be.

PROLIANT

I have found the formulea to a good credit rating;.....................

Brian1966

sharon-lalala wrote: »

Hiya Brian
Have you tried Aqua or MBNA for a cc? You dont say how many searches you have-also are you on the electoral roll?- as i understand this has a big impact
on your credit status.
On the plus side you have the bank account and credit with the catalogues so thats a really positive start.:j
If its any help-i have managed additions, studio and littlewoods but not simply be.

Hi Sharon
Haven't tried Aqua as one of my defaults is a Halifax card previously.
MBNA may be worth a shot but do have lots of searches, 20ish in last 3 months.
Not on Electoral roll but will be anytime now hopefully, sent form back in September.
I have made mistakes in the past, defaults were down to a failed long term relationship/depression etc now its to the future, new relationship and new son hence my desire to really improve things

clio

Watch it me mackem friend lol ......


http://www.youtube.com/watch?v=3tRjsc3zHXc

doelani

PROLIANT wrote: »

I have found the formulea to a good credit rating;.....................

what is it? lol

athensgeorgia

linton73 wrote: »

cheers sammy and evans i'll give it till saturday and phone then if i haven't got it

night everyone

Just wanted to let you know i got my card on wednesday and the pin came on friday i didn't get my post til after midnight when i got in from work or i would have posted earlier, i'd ring up and check whats happenin/request a new pin iyswim hth

PROLIANT

doelani wrote: »

what is it? lol

I cant remember,I was intoxicated last night...:rolleyes:

sharon-lalala

Brian1966 wrote: »

Hi Sharon
Haven't tried Aqua as one of my defaults is a Halifax card previously.
MBNA may be worth a shot but do have lots of searches, 20ish in last 3 months.
Not on Electoral roll but will be anytime now hopefully, sent form back in September.
I have made mistakes in the past, defaults were down to a failed long term relationship/depression etc now its to the future, new relationship and new son hence my desire to really improve things

Thats really cool Brian, fresh starts do wonders for the soul(speaking from experience)
I think the biggest thing for you would be to get on the electoral roll as that will make a big difference to lenders along with the accounts you already have. I also have lots of searches, but at least they drop off after 6 months.
Keep an eye on posts from others on here as they have loads of good advice.
I wonder if Mr P has remembered his magic formula yet!! :rotfl:

sutton111

sharon-lalala wrote: »

Thats really cool Brian, fresh starts do wonders for the soul(speaking from experience)
I think the biggest thing for you would be to get on the electoral roll as that will make a big difference to lenders along with the accounts you already have. I also have lots of searches, but at least they drop off after 6 months.
Keep an eye on posts from others on here as they have loads of good advice.
I wonder if Mr P has remembered his magic formula yet!! :rotfl:

searches stay on experian for 12 months and equifax for 12 months. but i think most lenders look at the last 6 months.

System

sutton111 wrote: »

searches stay on experian for 12 months and equifax for 24 months. but i think most lenders look at the last 6 months.

It's 12 months with Equifax too.... see HERE.

Regards
UNDERGROUND