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Comments

  • only 3 show on my file aqua cap one and halifax

    and hate to say it but been an expert at credit files as an underwriter and all but think they choose so many sucsessful apps per week
  • well louiser experion is main cra i would build up with people who only show on equifax and then once ya defaults are paid in full on experian u will build up a good credit hun
  • good night guys will long on at work tomoz xx
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    good night.
  • wannabe123 wrote: »
    well had 5000 default last year to bank i worked for rbs and 1000 to old loan bad times 500 x3 to catalogues again difficult times
    married my boyfriend took his name and my dredit file wiped clean after i payed them off and took his name always applied with my previouse name but new clean credit file appeared in my new name no previouse history of my old surname beats me i never come across that in 12 years i have worked for banks
    that is really cool. so really when you applied for the a&l absolutely nothing is showing on your CRA at all? no accounts whatever?
  • I'm pretty sure I applied for Vanquis and that they just never got back to me at all
  • just wanted to say that my monument card finally arrived although I have to wait for three days at least before getting the pin to use it! apparently they have a pin number glitch that they had to sort out but I'm happy I just got the card!
    DFD: 2017 :eek: | Savings: £1 :o

    Save £5k in 2012: £0/5000
  • I'm too scared to apply for anything at the mo. Should have a better percentage of unused debt registered beginning of December and so might gve it a go then. I have a settled ccj from 06 and a settled default from 07. I do have another default on my file that has just appeared though, showing as date of default 06.
    I have moved since then though so have not had any letters. If I apply for new credit does that flash like a beacon to the unsettled default?
    Also had a Natwest account for 10 years plus and though they are happy to keep upping my OD, they say they will not give me a CC. Should I give up hope and try banking elsewhere?
    Got Halifax Classic to reduce my interest rate by 5% woohoo - 10/06/08 Thanks MSE!
    Another 3% shaved off 10/12/08
    ANOTHER 4 % June 09:beer:
  • davethorp
    davethorp Posts: 1,578 Forumite
    Part of the Furniture 1,000 Posts
    I'm pretty sure I applied for Vanquis and that they just never got back to me at all

    That's happened to me before as well. Just downright rude really!
  • hi i got a coop basic account and cant even get an upgrade for that had it for a year though and never been overdrawn.Asked them once about 6 months ago and got turned down.
    Make £11,000 in 2011 / ebay £600
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