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maizie
Average Member
United Kingdom
566 Posts |
 Posted - 10 May 2010 : 12:29:57
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I was discharged from bankruptcy exactly 1 year ago and applied to a Vanquis card to repair my credit rating. I have been declined! Anyone else had this?
Maizie |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 10 May 2010 : 12:53:04
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I'm surprised at that. Have you cleaned your credit files, and are you on the electoral register?
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
Only when the last tree has died, the last river has been poisoned and the last fish has been caught will we realise that we cannot eat money.
34 IPA payments made, 2 to go - not long to go now! |
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maizie
Average Member
United Kingdom
566 Posts |
Posted - 11 May 2010 : 09:44:48
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Hi Skippy
Unfortunately I can't clean up my credit files because I would have to declare where I am living and for safety reasons I can't tell them!!!!
Maizie |
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Skippy
forum expert
United Kingdom
3290 Posts |
Posted - 11 May 2010 : 10:03:47
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I remember now. I don't really know of any way round it other than to wait for them to drop off your credit file 'naturally'.
View my blog at http://skippy13.blogs.bankruptcyhelp.org.uk/
Only when the last tree has died, the last river has been poisoned and the last fish has been caught will we realise that we cannot eat money.
34 IPA payments made, 2 to go - not long to go now! |
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Jane.l
Average Member
511 Posts |
Posted - 11 May 2010 : 10:15:43
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I was also turned down for a Vanquis card but have managed to open a catalogue account, I have not cleaned up my credit files as I can't because I shredded all documents so have no account numbers, addresses, etc, even if I had the time or inclination to clean them up  which I don't.
My accounts are still being defaulted every month so I don't see how they can ever drop off the files naturally, it is nearly 3 years now since I went bankrupt. |
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chester2005
Average Member
United Kingdom
786 Posts |
Posted - 11 May 2010 : 22:46:34
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Vanquis have accepted me but Capital One have turned me down go figure!!!!!!!!
as has been said cleaning up your credit file is an essential part to rebuilding your creditworthiness
i used Skippy's blog and it worked thanks Skippy
Dave
Don't worry or know that worrying is as effective as trying to solve an algebra equation by chewing bubble gum.(Baz Lurhman)
RevivaUK and Paul Johns helped me through it all i can't recommend them enough!! |
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Vanquis
