Barclaycard Initial

Parki_2

Does anyone know if its the case that I can have a DMP note that has been placed on my account to be removed?

I was led to believe that when all my debts were cleared this note should be removed too. Ive sent Cahoot a few emails but they have sent me around in circles. Do they have to remove this? If not when will it go off my file?

TheEffect

Don't apply for any sub-prime cards. Wait a few months for your default to drop off, then get a main-stream card. You say you've had a mobile contract for a year+, this would have helped your credit rating.

Just wait out the 6 years (of only a few months of which you have left) and get a much better card/apr/limit then you would have if you applied now.

The_coolcat

Parki wrote: »

Hi,

Is it worth me applying for this card to rebuild my credit?

I have 2 defaults on my file from 5 years ago. Would it be better to wait than do a search on my file and risk being rejected? Or is it possible they may even accept me?

In the past year three accepted me for a mobile phone contract but before then I got turned down by rbs for a loan but that was 15 months ago. My experian score is 848.

Any ideas?

Thanks

I had one default on my file which comes of in nov and they rejected me this week but i got accept for vanquis and cap one and barclay search equifax so it up to you. Hope this helps

Parki_2

I havent searched my EQ file yet so I had better do that first then to make sure its looking the same as my Experian one.

sutton111

The_coolcat wrote: »

I had one default on my file which comes of in nov and they rejected me this week but i got accept for vanquis and cap one and barclay search equifax so it up to you. Hope this helps

Hi Coolcat

How old is the Default? And is the default satisfied? Finally what was the value?

The_coolcat

sutton111 wrote: »

Hi Coolcat

How old is the Default? And is the default satisfied? Finally what was the value?

The default is from nov 2003 no it dose not say satisfied but file was lase updated jan 2006 it value is £408 with £363 left

The_coolcat

look here sup prime post 9536 will not let me post link for you sorry

Innocent_Guy

I do not think Barclaycard accept anyone with defaults

never-in-doubt

The_coolcat wrote: »

look here sup prime post 9536 will not let me post link for you sorry

Link here: #9536

What Paris says in this post is true..... Barclays will not help if any adverse info present, best to try Aqua (HBOS) or Vanquis. :beer:

hack2009

I applied this morning and it accepted me. I did wait until all my defaults had dropped off my files before applying though:

Welcome

Thank you, your application has been successful.

Welcome to Barclaycard.

Your new Barclaycard Initial card will arrive with you in the next 5 working days.
When your new Barclaycard arrives

Sign your card straight away and then call the telephone number on the card to activate it. Once this has been completed, your card is ready to use.
You can easily arrange to transfer balances from other cards by following the Balance Transfer link on our homepage.
At the same time, why not register for Online Account Services where you can manage your account from the comfort of your computer. You can register for Online Account Services from our homepage.
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