Sub Prime Credit Card Club

PROLIANT

Hello PositivelyCynical and welcome to the thread, I would try Vanquis, Capital One and Monument, these cards are pretty understanding on past history etc.

PositivelyCynical

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

sutton111

Yes it reports if you don't use it.

PositivelyCynical

I applied for the Aqua card.....filled in the most basic application online ever (it only had like 4 questions ) 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

Morning All,

Sutton - I can't wait for the X Factor final 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

PositivelyCynical wrote: »

I applied for the Aqua card.....filled in the most basic application online ever (it only had like 4 questions ) 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

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

Sammy_Girl wrote: »

Hi and Welcome

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

PositivelyCynical

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

PositivelyCynical

UNDERGROUND wrote: »

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

See HERE for who uses what CRA.

Regards
UNDERGROUND

Thanks UNDERGROUND........gee u guys are quick off the mark around here!

System

PositivelyCynical wrote: »

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