Sub Prime Credit Card Club

sutton111

PROLIANT wrote: »

Has anyone tried the old Vanquis Visa latley? They seem to accept people with low/Adverse credit ratings.

yes my mum applied a week last thursday, they phone last monday to say she had one, only problem being they sent the card out to Mr my mums name:eek: , how thick are they. so she is now waiting for a new card.

wannabe123

mr p never had a reply from them 4 weeks now boo hoo:(

sutton111

hopeless_case wrote: »

so do you reckon theyeven do a credit check then?

well it's meant to be call credit.

davethorp

Not checked my file lately. Have started to pass the odd credit check again though. This year I've managed to get 2 contract phones for the first time since 2005 and have been paying them. Also have some green zeros from virgin media and should be getting some from JD williams now

hopeless_case_2

well i just got approved today for a laptop for £15 per month for my son through the car phone warehouse on my Talk Talk bill and my credit rating is seriously bad. However they spell my name wrong at talk talk would it make a difference?

sutton111

well done. have you tried any credit card?

Sammy_Girl

wannabe123 wrote: »

by ek flooded with questions ok sammy chances are very high at high street bank as i had 4 defaults older than 1 year and oh had none and we got one no probs again they look at ur good history as well although things tightned up at mo due to credit crunch but trust ya mortgage adviser my best friend is one had no probs getting us one if needs be they will refer to undewriters and as an ex underwriter defaults are not a concern more ccj iva bankcruptcy hope that helps

Thank you

We're on you like a pack of wolves lol

That does make me feel better. A couple of months ago, I thought I wouldn't get a decent mortgage until 2013 when my last default falls off :eek:

Out of interest, do many lenders search Callcredit. I used to check that report but don't anymore. TBH that's the worst of my 3 files, so I'm pleased it doesn't get used that much

moneysavingallday

hopeless_case wrote: »

so do you reckon theyeven do a credit check then?

does who do a credit check?

hopeless_case_2

monument! the no came in about ten seconds dont know how they had time to check

davethorp

hopeless_case wrote: »

monument! the no came in about ten seconds dont know how they had time to check

They said no to me the other day too. Read somewhere on here that they seem to be blanket no-ing everyone