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andy10157
Starting Member
2 Posts |
 Posted - 16 January 2009 : 19:32:30
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| hi, i am 24 and i have been discharged from my bankruptcy for about a year. i would like to start re bulding my credit scoring so i can set myself up for the future. i was advised to try a high apr credit card and i have applied for monument barclays vanquist and every other availiable card outther with no joy. any advice? |
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John
New Member
United Kingdom
73 Posts |
Posted - 16 January 2009 : 21:07:22
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Hi andy
please don't take this the wrong way but not many, if any, on this site would wish to be actively involved in recommending ways in which you could, in the future, get yourself into debt again.
If it's a mortgage you're thinking of then you're credit score won't matter in the current market.
You would need a substantial deposit whatever your credit standing. And the way things look it will be another 5 years or so before credit is anywhere near as easy to obtain by which time your bankruptcy will have dropped off your credit report.
www.Bankruptcyhelp.org.uk
0800 078 9367 |
Edited by - John on 16 January 2009 21:07:59 |
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 17 January 2009 : 07:59:36
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Andy
Look on my blog there is a link to a Pre Paid Gold Card that can be used to help with your credit score.
I am not suggesting that i am trying to get you into debt again but it is a good card and a good way to help you.
Hope that helps
Jo
x
Needafriend says:
Just always remember one thing, Your not alone, your not the first and you wont be the last.
23 Weeks down
29 to go
For more info on how i have come through bankruptcy and for links to help with filling out the forms, I&E, Car Valuations, etc, etc, you can read my blog here called:~ Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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Edited by - Needafriend on 17 January 2009 08:00:41 |
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andy10157
Starting Member
2 Posts |
Posted - 17 January 2009 : 12:35:47
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wow thankyou! thats realy helpfull! a prepayed card seems to be the god send i was looking for...
i suppose the next question is; is it now possible to get a current account as upposed to the basic cash that i have a preasent?
I am so greatfull for the help. bankruptcy can feel like a very lonely road, but knowing there are other people in the same boat is comforting :)
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Needafriend
Junior Member
United Kingdom
344 Posts |
Posted - 17 January 2009 : 13:08:51
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Andy
Your welcome.
You will need to shop around for one of the banks to take you on now for a Current account. Its not just those who have been or are bankrupt the whole banking system is harder for getting accounts.
Do you have a basic account as the first port of call would be your current bank
Jo
x
Needafriend says:
Just always remember one thing, Your not alone, your not the first and you wont be the last.
24 Weeks down
 Yippeee!
28 to go
 Im getting there!
For more info on how i have come through bankruptcy and for links to help with filling out the forms, I&E, Car Valuations, etc, etc, you can read my blog here called:~ Needafriend's Info on Bankruptcy :-)
http://debtfreejo.blogs.bankruptcyhelp.org.uk/
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hi, i am 24 and i have been discharged
