Sub Prime Credit Card Club

PROLIANT

Hey Lincs1205, well done on the Vanquis card, they phoned me last week and offered me the same.

PROLIANT

Hey people, I have just stumbled over this link, have a gander:
http://www.stoozing.com/g_score.htm

cifpower

I've just had a look at my Call Credit file. There are 4 credit accounts (2 catalogue, UB CC and my current account) but not one search in the last year. I applied for The Monument Card and was declined but they obviously have not searched my file. Also my electoral roll data has an end date of October 2007 - the same as Equifax. Experian, however, still have me listed on the ER. Very odd.

PROLIANT

Just a quick post to thank people for their contribution so far on this thread, so much useful information and no !!!!!ing too, keep the post's coming. :beer:

PROLIANT

cifpower wrote: »

I've just had a look at my Call Credit file. There are 4 credit accounts (2 catalogue, UB CC and my current account) but not one search in the last year. I applied for The Monument Card and was declined but they obviously have not searched my file. Also my electoral roll data has an end date of October 2007 - the same as Equifax. Experian, however, still have me listed on the ER. Very odd.

I am sure that Monument score the application first and then they do a CRA check, I applied in January and they did not search the CRA then, got declined, but applied in April and got accepted, credit search appeared on Call Credit.

cifpower

PROLIANT wrote: »

I am sure that Monument score the application first and then they do a CRA check, I applied in January and they did not search the CRA then, got declined, but applied in April and got accepted, credit search appeared on Call Credit.

Well I wonder what it was in the appy form that got be declined. After all, it isn't the most in depth form I have come across.

darcyvuqua

sorry guys i got it wrong i have been provisionly approved just waiting for a phone call about my t&c's so hopefully i will get it would count my chicken till they hatch if you know what i mean

Whamy

Here is a list of accounts I’ve managed to open after cleaning up my credit files.

Capital One Visa Card
Vanquis Visa Card
Monument Visa Card
MBNA Visa card
Next Catalogue
Littlewoods Catalogue
Additions Catalouge
Burton Store Card
Barclay’s Bank Account With Visa Debit Card (non chq gtee)
"Three Mobile" 12 month contract with Free Phone

PROLIANT

Well done Whamy, there is light at the end of the tunnel for readers out there in a similar situation, tell me, when did you apply for the Monument Visa?

Tori_Bellatrix

Welcome Whamy. :wave:
Very informative first post and just goes to show it's possible to work your way back up the credit ladder ...