best current account for poor credit

richard9991

PROLIANT wrote: »

Depends where the bad credit is listed, LLoyds use Experian and that is it, if the bad word is on CC or EQFX then they will not know...;)

all my past bad debt went through experian applied for hsbc cc account holder 2k paid in current acc per month 24 years guess what declined lloyds just given cc 1500 limit 0% 12 mnths

leslie8570

i have really bad credit but applied for Lloyds tsb classic account. been accepted without any id checks whatsoever. been sent account no etc just awaiting debit card etc:T

leslie8570

i have really bad credit. but aplied for Lloyds tsb classic account on line and was accepted without any id whatsoever. account no been given by post etc just awaiting bank card:T

WhySoHard_2

richard9991 wrote: »

all my past bad debt went through experian applied for hsbc cc account holder 2k paid in current acc per month 24 years guess what declined lloyds just given cc 1500 limit 0% 12 mnths

I don't understand a word of this post. You heard of punctuation mate?

ShelfStacker_3

sdavies1972 wrote: »

I have been considering opening an account with Think Banking, which carry out no credit checks and say they will accept anyone, yet they charge a one-off set up fee of £25 plus a monthly charge of £12.50.

Don't. They're a poor basic bank account with no facility for Direct Debits (when pretty much every bank offers a BBA with a DD facility) coupled with an especially poor prepay credit card. You'd get the same, and in fact more, functionality getting just a simple BBA with a cashpoint card coupled with something like the PayPal topup card. It'd cost you far, far less, if not nothing.

Mrs_Ryan

thats really strange about Yorkshire Bank... cos I went in there today and they rejected me - I think they ARE credit checking people!!

sutton111

Mrs_Ryan wrote: »

thats really strange about Yorkshire Bank... cos I went in there today and they rejected me - I think they ARE credit checking people!!

given up on the alliance and leicester have you. lol.
what account did you apply for as i can't get a & l account but got a full current account after being referred.

Mrs_Ryan

dont start with alliance and leicester!!!!!!!!!!!!!

I had about a million apologies from a nice lady on the phone today so Im just gonna wait and see what happens now.... they have made a mess of my credit rating so I have ot wait for them to sort that out then I may well go elsewhere!

sutton111

oh i see. perhaps me getting turned down was a good thing then.
what account at your did you apply for at yorkshire?

Mrs_Ryan

It was the ReadyCash account!!

that's why Im so narked.... A&L have continually credit scored me when they shouldnt so its showing as multiple credit searches (among other things)... even the lady on the phone (bless her, she was lovely and actually rather helpful) was disgusted at how A&L have acted - she kept apologising and I said 'it's alright!' she said 'it's not though... you've really been messed around!'

I may now have open a cash-card account at somewhere like HSBC and just downgrade my A&L account so I can keep the card... I dont trust them with my money anymore!