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Comments

  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    Hello PositivelyCynical and welcome to the thread, I would try Vanquis, Capital One and Monument, these cards are pretty understanding on past history etc.
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • PROLIANT wrote: »
    Hello PositivelyCynical and welcome to the thread, I would try Vanquis, Capital One and Monument, these cards are pretty understanding on past history etc.

    Thanks PROLIANT!:A

    Il give Vanquis a go and let you guys know how I get on.

    This may be a silly question......If I get a vanquis card and dont use it, does it report back to CRA's that im managing the account well or does it just show as a dormant account??

    sorry if thats a daft question :o
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Yes it reports if you don't use it.
  • I applied for the Aqua card.....filled in the most basic application online ever (it only had like 4 questions :confused: ) and got an instant rejection :eek:

    Im gutted....I was quietly confident Id get one:(

    I then tried the Vanquis, bit more indepth application but got an ominious 'we will contact you in 10-14 days' response......Im not holdin out any hope

    Ive got the feeling ive just taken a few steps backward in my quest for a half decent credit score:mad:
  • Sammy_Girl
    Sammy_Girl Posts: 3,412 Forumite
    Morning All,

    Sutton - I can't wait for the X Factor final :D I reckon JLS will win.

    I swear you must be the male equivalent of me - reality tv junkie lol. Did you watch that programme the over night where they showed the guy and his assisted suicide? I started watching it and then couldn't watch the end - it was too sad :(

    I have to take my doggie out for a nice long leg stretch - but it's been pouring it down for the last few hours :( Best get my wellies out!
  • Sammy_Girl
    Sammy_Girl Posts: 3,412 Forumite
    I applied for the Aqua card.....filled in the most basic application online ever (it only had like 4 questions :confused: ) and got an instant rejection :eek:

    Im gutted....I was quietly confident Id get one:(

    I then tried the Vanquis, bit more indepth application but got an ominious 'we will contact you in 10-14 days' response......Im not holdin out any hope

    Ive got the feeling ive just taken a few steps backward in my quest for a half decent credit score:mad:

    Hi and Welcome :D

    Have you checked both your experian and equifax reports? Does one contain better info than the other? My equifax shows 2 defaults, but my experian shows 0 defaults. So if you know which report is better then it would prob be useful to apply to lenders who you know only search the one CRA. If that makes sense :)
  • System
    System Posts: 178,371 Community Admin
    10,000 Posts Photogenic Name Dropper
    Sammy_Girl wrote: »
    Hi and Welcome :D

    Have you checked both your experian and equifax reports? Does one contain better info than the other? My equifax shows 2 defaults, but my experian shows 0 defaults. So if you know which report is better then it would prob be useful to apply to lenders who you know only search the one CRA. If that makes sense :)

    Cue......... a shameless plug for my thread!!!!

    See HERE for who uses what CRA.

    Regards
    UNDERGROUND :D
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • Thanks Sammy_Girl for the welcome and the advice!:A

    I think there both pretty pants at the moment :( My experian report shows 2 and the equifax shows 1 (although i havent checked it since I got my mortgage 7 months ago)

    Il get some recent copys and pore over them in detail.:o

    Do you know who Vanquis check with?

    Thanks again x
  • Cue......... a shameless plug for my thread!!!!

    See HERE for who uses what CRA.

    Regards
    UNDERGROUND :D

    Thanks UNDERGROUND........gee u guys are quick off the mark around here!
  • System
    System Posts: 178,371 Community Admin
    10,000 Posts Photogenic Name Dropper
    Thanks Sammy_Girl for the welcome and the advice!:A

    I think there both pretty pants at the moment :( My experian report shows 2 and the equifax shows 1 (although i havent checked it since I got my mortgage 7 months ago)

    Il get some recent copys and pore over them in detail.:o

    Do you know who Vanquis check with?

    Thanks again x

    Hi PositivelyCynical

    If you haven't already, you can get free online trials from both Experian and Equifax.

    UNDERGROUND :D
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
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