Sub Prime Credit Card Club

wannabe123

sammy there are few major lenders that search call credit but majority do report to them the main cra used is experian then equifax call credit set up in 2005 it was a major american cra

moneysavingallday

Sammy_Girl wrote: »

Crikey, you guys have been busy for the last hour lol.

Sutton, yes PC Rav is a bona fide copper. He did work at Peckham police station for years but has taken a break to concentrate on his tv work. He was on that wall programme with dale winton on Sat lol. In a nice tight spandex suit

Anyways, Wannabe, you're providing some great info I have a question What about mortgages? We're remortgaing in the new year and my broker thinks that we could get a high street lender (we're currently sub prime). OH has squeaky clean files, and I have 2 defaults on my Equifax, one settled in Oct 2005 and one settled in March 2007. No defaults on Experian. What do you think our chances are

Money, HSBC is one of the hardest cards to get so you've done well there :T Make sure you make a payment every month, and then in 6 months you should get another mainstream card no probs. But that's ok, you can be an honorary sub primer lol

Thanks. you woulda laughed if you saw my face this morning when they told me I'm approved. I was seriously shocked. I thought my chances of getting approved where something like 1 in a thousand. And i thought that if i did by some chance get approved i'd only get a limit of £500. i also thought they'd hit me with a really high APR.

hopeless_case_2

only tried monument got recent defaults onlots of things

moneysavingallday

davethorp wrote: »

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

yeah my response from them was really weird. it didn't say i failed credit score it just said something like i wasn't acceptable or something. cant remember the exact wording

hopeless_case_2

so do they do a credit check ?

wannabe123

hey guys let every one give the famouse mr p a great big thank you he set this forum up and thanks to this were all back on the credit market in one way or another he is my idle to the great mr p hip hip horray:T :beer:

PROLIANT

davethorp wrote: »

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

Well done Dave lad! :beer:

PROLIANT

wannabe123 wrote: »

hey guys let every one give the famouse mr p a great big thank you he set this forum up and thanks to this were all back on the credit market in one way or another he is my idle to the great mr p hip hip horray:T :beer:

Lol, I must say that most of the credit goes to all of you guy's who built the thread and provided the data, thanks for the big-up anyway.

PROLIANT

So wannabe123, where are you from, if you don't mind me asking?

sutton111

hopeless_case wrote: »

so do they do a credit check ?

mr p would probably no that answer i would hazard at guess at no.