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claire6hy wrote: »

i have a vanquis card, and an additions account, sorry to be useless and lazy, but who do they report to???

if i messed up 4 years ago, will that be gone in 2 or am i mistaken?Xxxxx

Vanquis report to Experian and Equifax.

Additions (GUS / Shop Direct Group) report to Experian, Equifax and Callcredit.

Regards
UNDERGROUND

claire6hy

UNDERGROUND wrote: »

Vanquis report to Experian and Equifax.

Additions (GUS / Shop Direct Group) report to Experian, Equifax and Callcredit.

Regards
UNDERGROUND

thanks :)
xx

sutton111

claire6hy wrote: »

if i messed up 4 years ago, will that be gone in 2 or am i mistaken?Xxxxx

If they are defaults or CCJ then they will remain on your credit file for 6 years. HTH

claire6hy

sutton111 wrote: »

If they are defaults or CCJ then they will remain on your credit file for 6 years. HTH

welll... i had an orange mobile contract, which i just stopped paying and ignored them, and dad paid it off when i got a letter frm scott and co.... same with scott and co(or similar) for rent from a flat i had too. had a few missed payemnts on things too.

any help greatly appreciated, cuz i would love to get a decent rating again x

louiser123

well guys i spoke to j d williams today about my loss of credit limit of 1200 with them, what a day!!

credit check resulted in removal, they basically said they no longer wanted me as a customer, well they did say that!!!! i told her i will pay off the balance at my minimum payment trying to be awkward, of course its fine by them cos they will still make interest.

i havnt ordered any thing in over a year until last week and thats how i noticed as order was cancelled.

basically told her to stick the account anyway as everything was either out of stock or took weeks to come and most of it is cheap tat. she said i was very rude and i said i think the feeling is mutual as you have just spoken to me in a terrible way!!! all that over 2 yrs of account never late, all green 0s,

cifpower

louiser123 wrote: »

well guys i spoke to j d williams today about my loss of credit limit of 1200 with them, what a day!!

credit check resulted in removal, they basically said they no longer wanted me as a customer, well they did say that!!!! i told her i will pay off the balance at my minimum payment trying to be awkward, of course its fine by them cos they will still make interest.

i havnt ordered any thing in over a year until last week and thats how i noticed as order was cancelled.

basically told her to stick the account anyway as everything was either out of stock or took weeks to come and most of it is cheap tat. she said i was very rude and i said i think the feeling is mutual as you have just spoken to me in a terrible way!!! all that over 2 yrs of account never late, all green 0s,

That's shocking. I have a JD Williams account and they have always been very good for me. What has changed on your credit report that they didn't like?

sutton111

yea i'm wondering that. i've got bad credit but they increased mine.

cifpower

sutton111 wrote: »

yea i'm wondering that. i've got bad credit but they increased mine.

And I have one deafult (which was there when I signed up) and they increased mine. In fact, I bought a telly from them.

davethorp

louiser123 wrote: »

well guys i spoke to j d williams today about my loss of credit limit of 1200 with them, what a day!!

credit check resulted in removal, they basically said they no longer wanted me as a customer, well they did say that!!!! i told her i will pay off the balance at my minimum payment trying to be awkward, of course its fine by them cos they will still make interest.

i havnt ordered any thing in over a year until last week and thats how i noticed as order was cancelled.

basically told her to stick the account anyway as everything was either out of stock or took weeks to come and most of it is cheap tat. she said i was very rude and i said i think the feeling is mutual as you have just spoken to me in a terrible way!!! all that over 2 yrs of account never late, all green 0s,

If you haven't ordered anything for a while it may have been down to that as you wouldn't be making them as much money as they'd like.

Still shocking. My credit is appalling and they put my limit up after just one month. Hope they dont end up doing same to me

clio

louiser
thats not right or fair, glad you told em where to stick there minging, crappy, tatty, chava account...