The Sub Prime Credit Thread - Part V

star-fire wrote: »

Anyone agree this forum should show peoples faces like facebook so we can all get a good idea who we are talking to..
I think we all get an idea in our heads what people look like by the way they reply in threads,but think we would all be completely wrong..

It would be interesting to see what we all think each other looks like...on second thoughts if you think i look like what i do at the minute i would rather you didnt think it!(does that even make sense?!) I am covered in paint as i decided (very foolishly) i was going to attempt to paint the living room ceiling..NOT the best idea i have ever had!

never-in-doubt wrote: »

People can do the exact same on Facebook mate - plus loads of us on here are FB mates, if you actually make friends then you'll soon get their FB address.... for random strangers and the like, i'd rather I stayed anonymous - the banks would pay a premium to stop me and my unenforceability crusade!!!! :rotfl::rotfl::rotfl:

Haha! And I was just going to say about FB, a lot of people have other names (especially uni friends here, only about 5 of them are using their full original name!). Other have things added from their nicknames etc like 'Vodka'. And a lot of the photos, especially during England's shocking World Cup campaign (are we allowed to call it that!? Hardly worthy of the name...) are flags/players etc


Well the problem with me having loads of small limits has hit again, can't buy my new laptop on credit (unless I overpay, but I need the laptop ASAP so not even waiting 2 days for that to process). Maybe now the likes of Capital One will see that £200 is useless! I think if they don't put it up I'm going to get rid of it so that Vanquis/Aqua actually will put my limits up! Do Vanquis credit search for increases? Or use the monthly feed anyway? As it says "don't take on too much credit elsewhere" so they must be able to see and use that to judge, or is that just to scare you?

izools wrote: »

Score! Risk Score with LTSB is down to 4 and CPD marker removed.

Shan't apply for anything, but nice to know nonetheless

EDIT: They say I'm eligible for a £1,600 OD!!! ZOMG I'm WELL leaving that as it is but cor, just goes to show it pays to kick up a fuss about CPD markers

Well done that's good to know!!

I want a new student account (Natpest are actually annoying me), is Lloyds a good option, or will I fail credit scoring at everyone bar Natwest, as I'm new?

My last Halifax app was 6th Jan... I think! I applied for a partner card since (Sainsburys (?)), does that matter? I.e. if I apply would I be seen as not having applied since Jan or seen as last applying whenever I applied for a partner card? As I'd imagine they are scored significantly differently!?

I want to try for a student account there, but will probably get a decline.... :mad:

sutton111 wrote: »

Did you remember where the name of that department which would tell me my risk score?

They had to call my branch to ask

It's odd, they've got a pre-app limit of £1,600 for Overdraft but £0 for loan or credit card... hmm... They also said I could have a Platinum account if I wanted. No ta, not with those fees!