Sub Prime Credit Card Club

darcyvuqua · 2 January 2009 at 10:41PM

Brian1966 wrote: »

Just want to say a big THANK YOU to everyone on here and wish a HAPPY New Year to all.
Thanks to this thread and the forum in general I am now taking charge of my credit reports, had 3 defaults nearly 5 years ago.
Now I'm back on the right track, 2 Nat West accounts reporting green zero's, a Vanquis visa £250 limit. and 4 Jd williams accounts with limits of £125, £200, £300 and £600
Would ideally like a catalogue offering interest free payments but turned down by Littlewoods group. Also turned down by Freemans but wasn't on electoral roll then. Next knocked me back too, possibly same reason but not sure.
Do you think I may have more of a chance now, being on electoral roll and some good history on file?
Any advice appreciated and once again thank you for some really good info.

HI yes ER is a big thing when it comes to credit how long ago did littlewoods turn you down???

cifpower · 2 January 2009 at 10:46PM

A lot of companies ask that you wait 6 months between credit applications

Brian1966 · 2 January 2009 at 10:47PM

Hi Darcy
Got turned down by Littlewoods in Sept then by additions in Nov.
Next was also Sept

cifpower · 2 January 2009 at 10:47PM

I got turned down by Littlewoods too because of the default showing on my Equifax file

darcyvuqua · 2 January 2009 at 10:50PM

Brian1966 wrote: »

Hi Darcy
Got turned down by Littlewoods in Sept then by additions in Nov.
Next was also Sept

you could try marshal ward i would try now as they are quite good!!

cifpower · 2 January 2009 at 10:53PM

darcyvuqua wrote: »

you could try marshal ward i would try now as they are quite good!!

They are all part of the Littlewoods group though aren't they? I would suspect that if you are turned down for one of them you would be turned down for all.

Brian1966 · 2 January 2009 at 11:00PM

Think Marshall ward are the same, tempted to try Freemans again but dont want to waste another search. Also thought about giving Next another go as my other half loves their stuff.
Just not sure if my old defaults will still get in the way or not?

sutton111 · 2 January 2009 at 11:00PM

Yes they are part of the Littlewoods group.

darcyvuqua · 2 January 2009 at 11:07PM

THEY ARE PART OF THE SAME GROUP HOWEVER sorry however he was not on the ER but is now i have read that they will decline anyone who is not on the ER so the chances to be accepted are greater if you are now showing!!

sutton111 · 2 January 2009 at 11:10PM

I don't get catalogue companies, i have two defaults and i got a Littlewoods account, but when i applied for a second account with Additions they sent me a letter saying there is adverse information on your equifax file the same infomation was on there for the Littlewoods account so what's the difference.