Sub Prime Credit Card Club

PROLIANT

skyrider007 wrote: »

Not as far as I am concerned. Only cash withdrawal, gambling, foreign currency, travelers cheque and certain gift certificate transactions are treated as cash advance.

Hey skyrider, long time no see.

darcyvuqua

still no news today this is horrible just waiting for a 'sorry still nothing we can do for you' lol

how is everyone today?

laurajayne

Still no Aqua card or pin....honestly, they take their time don't they...it's been well over a week now!

darcyvuqua

http://forums.moneysavingexpert.com/showthread.html?p=11811395&posted=1#post11811395

hey guys i have nomiated this thread for the bast thread of june i hope it wims there are two of us that has nominated it so if you like it please recommend it and mr p can buy us all a beer with the £50 if it wins

darcyvuqua

See your report

Your credit report contains much more detail about what you owe and how well you are managing your debts. You can see it as often as you like, at no extra cost.






Your Experian Credit Score


337
On June 18, 2008







On the right, you'll see some highlights calculated from the information on your credit report. This information is as up-to-date as possible but you should remember that it is based on the latest information supplied to Experian by lenders which may not reflect your position on today's date. For example, you may have paid off a credit account since your lenders last submitted an update, or spent some of your available credit.
If the summary contains any terms you don't understand, click on where you'll find explanations.
To see your full credit report, click


Calculations based on your credit report on Wednesday, June 18, 2008


You have £761 of available credit (excluding mortgages)

You have £1,062 of outstanding debt (excluding mortgages and defaults)

You are using 4% of your available credit

You have 10 credit accounts (including settled accounts)

You have 0 accounts overdue

You have missed 2 repayments in the last year

Your credit report has been viewed 66 times in total over the last year

You have 1 public information records

You have 6 aliases and/or financial associations

You have been at your current address for 0 years 4 months

You are on the electoral roll at your current address

You have 1 notice of correction on your credit report

my credit score today was 337 AAAARRRRRRRGGGGGGGGGGGGGHHHHHHHHHHH

TheAnalyst

darcyvuqua wrote: »

Your credit report has been viewed 66 times in total over the last year

You have 1 public information records

You have 6 aliases and/or financial associations

You have been at your current address for 0 years 4 months


my credit score today was 337

Firstly, 66 searches in a year is crazy, you really really are not doing yourself any favours constantly applying for credit.

You have a CCJ... settled or not settled this is still a BIG black mark

You have 6 financial associates or aliases? Do you realise that financial associates means that every time you apply for credit they search the credit files of those you are financially associated with? Do you know what state these people's credit files are in?

Only being at your address for 4 months can bring down your score a bit too unfortunately.


I don't quite understand how with £1050 outstanding debt & only £750 available that equates to only 4% used?? If £1050 is 4% then you should have nearer £260,000 available.... does this count equity in a mortgage as available credit or something?

Also, you didn't mention of those 10 credit account's how many are settled default's?

I'ts not suprising you have a very low score but don't take CreditExpert as gospel either as it really means nothing in the real world, companies have very different ways of scredit scoring.... the Experian score is just a way of them sucking another £5.95 off you. :rolleyes:

emmy05

darcyvuqua wrote: »

http://forums.moneysavingexpert.com/showthread.html?p=11811395&posted=1#post11811395

hey guys i have nomiated this thread for the bast thread of june i hope it wims there are two of us that has nominated it so if you like it please recommend it and mr p can buy us all a beer with the £50 if it wins

great idea, i shall do this too x

smithja

Hi

The Analyst is correct, Experian cannot count.

This is a thread I started when they changed the Credit Expert site and started using the summary box:

http://forums.moneysavingexpert.com/showthread.html?t=918057&highlight=smithja

Seems they still have not fixed much. I sent James Jones a long email pointing out all of the calculation errors just on the available credit and outstanding debt values, from my own file, in which I said I was going to leave it at that as there were to many possiblities for error on the percentage credit value to go in to it, using their already incorrect values.

He told me they would consider my points, but that the values on the screen were not wrong as I have stated! If they cannot get that right it makes you wonder is the data they submit to banks as a composite score also incorrect?

James

Edit: I would ask for the £5.95 for the credit score back and an explanation of why their summary figures dont add up, putting what they do in the background in to question.

PROLIANT

Evening people, how’s tricks, just read the last few post's and cheers for the nomination, I must say I don't expect anything from this as it was designed with helping others and giving deeper insight in to the Sub Prime lending market, everybody who has posted on here has provided constructive information for everyone to benefit from, but thank you anyway. So, Darcy interesting summary of your credit file, have you checked call credit and Equifax yet?

darcyvuqua

equifax is clean apart from the same ccj and my call credit is fine nothing but good i was going to apply with monument but site is still down lol my experian is by far the worst