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I need a current account, but....

el_nino_5
el_nino_5 Posts: 39 Forumite
in Budgeting & bank accounts
I need a current account, but I have a bad credit score and a few defaults and ccj's, does anybody know any banks that I might be able to open a current account with please?????

Cheers

Comments

  • lufcgirl
    lufcgirl Posts: 1,875 Forumite
    Have you tried applying to Yorkshire Bank for their Readycash account?
    I have a shocking credit rating (including a satisfied CCJ with them) but I explained this fully to the man and he said it was fine. They are lovely and if you are successful the card you get is a dual function Maestro (pretty similar to a normal current account, just without the cheque guarantee)
  • jonesMUFCforever
    jonesMUFCforever Posts: 28,898 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    You may have a chance of getting a basic account if the problems you mentioned are not in any way related to fraud.
  • jonesMUFCforever
    jonesMUFCforever Posts: 28,898 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Alx_B wrote: »
    Most (Actually I think all?) of the major banks offer a basic account of some sort or another, so it might be a case of checking out the T&Cs to which suits you best &/or looking at who has the most convenient branches/cashpoints for you.
    Whether or not you get accepted by any particular bank is, as jones said, likely to depend on what exactly your CR shows against you.
    Good luck! :)
    Most (but not all) will also credit score you before opening an account for you.
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