Sub Prime Credit Card Club

wannabe123

the famouse mr p u gave me hope

from a banking point of veiw they look at several things amount of searches and amount of credit accounts too many searches are not that bad as long as there is a 2 month space between searches they prefer no more than 3-4 searches over six months

but also they prefer no more than 30000 in unsecured credit if it is this will show to banks as high credit facilities at buereu which means too much unsecured credit showing on cra

hope answers ur q

moneysavingallday

sutton111 wrote: »

:rotfl: was he probing you was he?lol. what kind of questions?

Wanted to know my bra size and inside leg measurement didn't he?:D

wannabe123

seriouse guys when i left bank i declaired under the banking code secrecy act i would not disclose information for six months that is why never joined forum in may cause i would be too tempted but now im freeeeeeeeeee to telllllllllllllllll allllllllllllllllllllllllllll:T

moneysavingallday

wannabe123 wrote: »

yeah because ur not on electrol register they have to make sure ur not comitting fraud so they will ask very indepth questions even though ur not on register u had a decent score from two account u have but being on register would boost u high i have same problem at moment been trying to get on electrol roll for years but my council crap but finaly has happened on 1st of dec

Yeah your right. I've got a feeling I'm on the Electoral as of 1st Dec too. But the local borough did say that even tho i'm on their register from 1st dec experian and equifax won't actually update their records on 1st of dec and it could take up to 6 weeks. what a long old process.

sutton111

wannabe123 wrote: »

the famouse mr p u gave me hope

from a banking point of veiw they look at several things amount of searches and amount of credit accounts too many searches are not that bad as long as there is a 2 month space between searches they prefer no more than 3-4 searches over six months

but also they prefer no more than 30000 in unsecured credit if it is this will show to banks as high credit facilities at buereu which means too much unsecured credit showing on cra

hope answers ur q

how long is it before lenders take no notice of defaults i realise you they stay on your credit file for 6 yrs but are they taken into account for that long?

sutton111

moneysavingallday wrote: »

Wanted to know my bra size and inside leg measurement didn't he?:D

Nosey git:D :rotfl:

wannabe123

i know money every time i sent in form it was always lost for 3 years that was atotal of 12 times but they told me today i will be on 1 dec but the cra update every 30 days for new accounts and electrol info

wannabe123

sutton the answer is no u can start getting credit with banks after defaults have been settled for 3 yrs but most lenders will give credit after 1 full year the rbs will give a full current acount with switch oops sorry mestroe now and 100 o/d with defaults settled for 1 year +

moneysavingallday

wannabe123 wrote: »

i know money every time i sent in form it was always lost for 3 years that was atotal of 12 times but they told me today i will be on 1 dec but the cra update every 30 days for new accounts and electrol info

the bloody pricks have lost my form twice now too

wannabe123

those were my exact words money lol