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  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    sutton111 wrote: »
    Wasn't he going on Holiday to Spain for 2 weeks?
    Oh well, that has answered my question. Thanks
    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.
  • jakemuk
    jakemuk Posts: 973 Forumite
    sutton111 wrote: »
    :rotfl: , Oh yea they do build up those ticks nice don't they.

    aye hopefuly one day will have enough ticks, to get a nice 0% or a flybe card :D, Until then sub primers rule baby :D
    Wannabe DFW NERD: Not fully fledged member yet !
    HSBC Bank Charges Reclaim In Progress Total: £1462.56
    HSBC CC Reclaim Total: £180.00 PAID IN FULL :D
  • clio
    clio Posts: 3,345 Forumite
    London got a nice big bar of soap for crimbo and went into the river wear for a wash. last seen in a sea of bubbles singing blaydon races lol :D
  • Brian1966
    Brian1966 Posts: 1,428 Forumite
    How long does it take for the green zeros to partially outweigh the bad stuff on credit files making it a little easier to get lower interest rates?
    Natwest gold..Limit £1750 bal £970..Vanquis Limit £3000 bal £0..Littlewoods..Limit £1200 bal 0..Additions direct..Limit £4900 bal £1356..Empire Limit £6200 bal £152..Jd williams..Limit £1100 bal £130..Simplybe..Limit £1500 bal 265,,Fashion world..Limit £1400 bal £145 Jacamo..Limit£125 bal 0
    Next..Limit £?? bal £0 Asda..limit £1250 bal £440,
  • cifpower
    cifpower Posts: 6,502 Forumite
    Its best to have at least 1 year of green zeros and for the bad stuff to be about 3 years old.

    IMO anyway
  • londonuk2008
    londonuk2008 Posts: 1,101 Forumite
    Happy New Year everyone!!!!:beer:

    hope you all had a safe one and not too much :beer: :beer: :beer: ...
  • jakemuk
    jakemuk Posts: 973 Forumite
    Brian1966 wrote: »
    How long does it take for the green zeros to partially outweigh the bad stuff on credit files making it a little easier to get lower interest rates?

    id like to know that,

    also when does stuff drop of your file, 6 years from the date of closing account or 6 years from default ?
    Wannabe DFW NERD: Not fully fledged member yet !
    HSBC Bank Charges Reclaim In Progress Total: £1462.56
    HSBC CC Reclaim Total: £180.00 PAID IN FULL :D
  • londonuk2008
    londonuk2008 Posts: 1,101 Forumite
    clio wrote: »
    London got a nice big bar of soap for crimbo and went into the river wear for a wash. last seen in a sea of bubbles singing blaydon races lol :D


    ...not far off - except in the med!
  • cifpower
    cifpower Posts: 6,502 Forumite
    jakemuk wrote: »
    id like to know that,

    also when does stuff drop of your file, 6 years from the date of closing account or 6 years from default ?
    Defaults drop off 6 years after the default being registered on your credit report. Searches drop off after 1 year although credit companies nomrally disregard those more than 6 months old
  • Sammy_Girl
    Sammy_Girl Posts: 3,412 Forumite
    Hey Guys,

    Wow we got newbies :)

    What's everyone up to tonite. I'm looking forward to CBB :) But not til 10 tho :(
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