Sub Prime Credit Card Club

moneysavingallday

Darcy I recently opened a current account with Barclays. They searched Experian for the current account, used Equifax for the generic ID check and used Equifax only for my Barclaycard

darcyvuqua

i just accepted for a barclay card but now as they give me a credit card would like my main account with them and establish a good relationship with them i dont however want them searching my experian file it is by far the less attractive of the 2

do any of you guys know if now that i have a intial card (or on the way) can after a few month (6+) would i be able to apply for a credit card ie a platinum and hold both at the same time i will never get a card that good well not for a few years just wondering if you could hold 2 cards at the same time?

moneysavingallday

Darcy, do u have a good internal score at HSBC?

darcyvuqua

i dont think so but i dont know i have a maestro and a overdraft £100 took a loan of £1000 out with them never missed or been late paying that back!

moneysavingallday

Darcy, ask them what your Behaviour Score is. It must be at least reasonable if they've given you an OD and loan. So you've paid the loan back in full now?

darcyvuqua

no just over half way might just wait till its finished

darcyvuqua

well im not sure what to do but im off to bed now work tomorrow night guys

kpnut79

sutton111 wrote: »

Any luck with your CIFAS as yet?
Never heard of them no. What about black horse finance?

Morning Sutton,

I am still waiting on a response to my letter about the Cifas!

I will give them a go Thanks:beer:

moneysavingallday

I just rang Equifax and asked them to update the Electoral Roll stuff and they said although the Councils updated it all on 1st December, the info won't appear on Equifax until mid February. Gutted.

sruben

I need some help to repair my credit score and rating and I have been looking at your replies for a couple of weeks and hope you can help.

I have just looked at Equifax and it is 248 - oh my god!!!!!!!!!

I have one default at my old address which I found out also as a deliquent balance of £204 so I have called the company today and paid the first £100.

I havea vanquis visa card which is £100 over the agreed limit.

I have just been accepted for a capital one card with a £500 limit.

I have a natwest current account with a solo card but that is because I did a refinance loan which cleared my overdraft so they took my card a way from me so will be able to have a maestro and overdraft in a few months.

So how do I get my score to be better, please help as I want to get a mortgage next year and there is no way I am going to get a good company with a score like that.