Well, I have over 20 defaults and 10+ bank accounts. I opened 2 x Barclays basic account (card cash) last October - just been sent 2 letters saying both will be upgraded to full accounts......

Point is, Barclays work on internal score so it's worth doing this and moving a grand or so between...

Hello to all,

This is my first post on any forum ever so please bear with me whilst I find my feet.
Type of account - Credit card

Date commenced - 2001

Approx balance - £15,000

Date last paid - May 2015

Are you...

What are the thoughts on private schemes? Other than the ridiculous interest rates some charge - some joker in kent was charging £850pcm rent on a flat that would be owned after something like 70 years because there was a £444.44 monthly administration fee, 300 rent and only the rest going towards...

Hi All

We're currently putting in application to rent a property and have been given a MARAS reference application form.

Does anyone know what information MARAS actually obtain from the CRA's?

Do they only see public information such as BR and CCJ's, or do they...

Just having a chat with some colleagues; some for, some against the scheme.

I've had a read through the guide and the way i see it is a 0% loan on a bike and accessories with no guarantee if its yours at the end because its owned by your employer.
I understand that most people end...

Think my credit file is on the mend at last? I have owned a Vanquis Card for about 2 years now. Having read this:

http://forums.all-about-debt.co.uk/s...930#post334930

I decided to apply for a Capital...

Hi All,

I have just decided to try and get a credit card from Vanquis today and succeeded They even phoned me within the hour and gave my a limit of £500.00 a lot easier than thought.

I still cannot understand why I cant get a Current acc with HBOS even though I've had a...

Nationwide agrees deal with Equifax

This is a duplicate of the Blog Entry made on 18th July 2013 07:37.

Credit reference agency Equifax has secured a contract to provide Nationwide Building Society with consumer credit intelligence. Under the three and...

Click...

Here's a question for anyone with an in-depth knowledge of the credit scoring system, probably the boss man himself. What is the impact of leaving old bank accounts open?

In my own case, I have just been approved for a Metro Bank current account. I also have Santander, from before my debt...

I have been selected for dismissal via redundancy selected via a method of matrix scoring.
My matrix scoring is very wrong and biased, favouritism as gone on with this scoring method.
I am being pushed out of a company; I have worked there for 18 months and my boss who scored the matrix...

When everything for me blow up 3/4 years I UE most of my credit cards etc, I have had no 1's, defaults etc for over three years.

I currently have still 2 credit cards, a loan , mortgage, banks accounts etc.

Will it speed up my improvement in credit rating by applying for...

I've seen a good deal on the tesco mobile with o2 ( i'm currently with o2 and it's better than they will give me on upgrade!!!!), so my question is does anybody know what they are like credit checking wise?? I haven't had any adverse since Jan 2010.

or if they are tough, who is easier...

Bit of a weird one.

I had an online auction finish tonight and the buyer (there was only 1 bid) paid straight away, we're talking a tenner plus postage. They then sent me a message as follows:-

"Hello i'm not really interested in these games now, I'm not asking for money...

Just got a letter from BOS about one of my few remaining active credit cards. I've been a good boy and it been run in good order, I could have UE'ed it but I thought that keeping it going may help to rebuild my credit record a little quicker.

The card is paid by DDI so they should be happy,...

Hi,
This sounds and is a dull question, but i need to ask it!

Two people.

One person (er, me) has 4 defaults with balances outstanding and credit still running sweet as a nut. All settled balances have now gone from previous credit. Experian score 638

...