Sub Prime Credit Card Club

davethorp

moneysavingallday wrote: »

i'm a bit miffed because today I found my Lloyds current account and o2 phone are not reporting to the CRAs

Dear god I hope o2 are reporting both my phones with them to the CRAs

PROLIANT

moneysavingallday wrote: »

Hi all, from your experience do HSBC credit cards report to all the CRAs? i'm a bit miffed because today I found my Lloyds current account and o2 phone are not reporting to the CRAs. I am hoping the HSBC credit card will.

also, how often do lenders update on your payment performance. I thought it was once a month?

Well they update when they can remember, I waited over 3 month for Capital One to update my files, so don't bank on the Lender doing an update on time every month, HSBC searched Call Credit when I applied but they still knocked me back even though Call Credit has the least searches.

PROLIANT

Eh, were is Darcy boy?

clio

Alreet mr p, champion . big game 2 morrow against them london t055ers eh lol...

moneysavingallday

PROLIANT wrote: »

Well they update when they can remember, I waited over 3 month for Capital One to update my files, so don't bank on the Lender doing an update on time every month, HSBC searched Call Credit when I applied but they still knocked me back even though Call Credit has the least searches.

Thanks for replying., I did not realize that HSBC used Call Credit. Learn something new every day.

The good news is that I've made about 15 applications for credit this past few months for credit products thru Experian but only 4 of them are actually recorded on Experian so it looks to lenders as if I've only applied for 2 mobile phones, one credit card and one internet provider.:D

sutton111

clio wrote: »

Alreet mr p, champion . big game 2 morrow against them london t055ers eh lol...

i'm praying Newcastle win (at least a draw) tomorrow i hate fat terry and duck face lampard i knew duck face would be fit.

sharon-lalala

sutton111 wrote: »

can other lenders see those tracers? does that stop you getting credit?

Hey Sutton
Somebody else already answered this i think, but i didnt know this info. It didnt stop Flybe from giving me a card. You know the more i think about this Flybe must be really relaxed when it comes to credit files, they must base their criteria on earning,employment status etc.

Anyone else watching 1983...........ooohhh those were the days!!!!:rotfl:

PROLIANT

sharon-lalala wrote: »

Anyone else watching 1983...........ooohhh those were the days!!!!:rotfl:

I was only 2 years old then!

hopeless_case_2

wannabe123 wrote: »

hopeless try lloyds tsb on line applly for a classic current account my brother was accepted and has 10000 pounds worth of defaults and he got a visa debit and cheque book full visa debit

thanks for that wanabee 123 i got accepted but no overdraft.But hey i can work on that.At least i get a cheque book and now got a full bank account so that is one step in the right direction.

sutton111

hopeless_case wrote: »

thanks for that wanabee 123 i got accepted but no overdraft.But hey i can work on that.At least i get a cheque book and now got a full bank account so that is one step in the right direction.

:T oh that fantastic!!! did you did you do it on-line or in branch? will you get a cheque gaurantee with that? what nasties do you have?