Sub Prime Credit Card Club

edinburgher

cas-dor wrote: »

hi everybody
if u found something like this on yr credit report what is that means to you is a search that's mean u r accepted or what. any help wil do

my name
adress
date of birth
06/09/2008Time at address:03 years 07 monthsAmount:£150Searched By:GE CAPITAL BANK PLCApplication Type:Credit Card

and other one is
name
adress
d.o.b
08/08/2008Time at address:03 years 05 monthsAmount:£500Searched By:GE CAPITAL BANK PLCApplication Type:Credit Card

Those just mean that you've applied for a card and they've carried out a credit check if I recall correctly..

edinburgher

Good to see the paperwork has all gone through fine for Credit Builder on my Cashplus prepaid Mastercard.

I have to say on the two occasions I've called their customer services, they've been friendly (if a little vague).

Glad to see that I'll be getting a few positive ticks to help balance out that default I got in 2006

cos_2

cas-dor wrote: »

hi everybody
if u found something like this on yr credit report what is that means to you is a search that's mean u r accepted or what. any help wil do

my name
adress
date of birth
06/09/2008Time at address:03 years 07 monthsAmount:£150Searched By:GE CAPITAL BANK PLCApplication Type:Credit Card

and other one is
name
adress
d.o.b
08/08/2008Time at address:03 years 05 monthsAmount:£500Searched By:GE CAPITAL BANK PLCApplication Type:Credit Card

I use Experian to check my report and it has never shown a search with a money value in it. Is this from another CRA?

londonuk2008

I have seen the above on mine with Experian - from credit card , Loan to overdraft with my new account eight months ago.

wannabe123

hey guys told u got accepted for alliance an leicester bank account and credit card got a letter yesterday saying after further checks we withdraw the offer p**sed off

sutton111

any reason why?

cas-dor

cos wrote: »

I use Experian to check my report and it has never shown a search with a money value in it. Is this from another CRA?

yes this is from experian that's whay i was asking a Q? that's y been accepted or just a search?

blue_mum

moneysavingplumber wrote: »

Well I've bitten the bullet and applied for Vanquis, my first credit card application in six years. I'm now in the '10 to 14' day waiting phase! My recent Experian score was 815 after completing an IVA in October, so fingers crossed.

Does your credit report show the IVA or did it start 6 yrs ago so hence it's not there anymore? just wondered as we started our IVA 2 1/2 yrs ago but settled the IVA at a better rate just over a year ago but our credit rating is not changing and so getting nowhere with a credit card. Think we might have to wait another 3 1/2 years if they wait for it to be removed !

sutton111

Blimey quiet tonight were is everyone?:hello:

moneysavingplumber

blue_mum wrote: »

Does your credit report show the IVA or did it start 6 yrs ago so hence it's not there anymore? just wondered as we started our IVA 2 1/2 yrs ago but settled the IVA at a better rate just over a year ago but our credit rating is not changing and so getting nowhere with a credit card. Think we might have to wait another 3 1/2 years if they wait for it to be removed !

Yes it shows and won't drop off until November. I'll have to wait and see how it affects this application, although Experian seemed confident that my 815 credit score was accurate based on the the fact that defaults are now satisfied and are nearly expired, as well as maintaining a current account for over five years. The problem on your file may be the fact that the defaults are only a couple of years old, dating from the start of the IVA.