Credit Call failed to win any races leading up to 1976 before being sold to Ursula Newton, whose son rode him to four wins before having six more wins the next year.
Credit Call was an English racehorse who won 37 National Hunt steeplechases up to 1976. 
Collins won 27 races before selling the horse to Ursula "Urkie" Newton. 
Newton's son Joey rode him to four wins in eight starts in 1975. 
