Bad Credit Help

Mattanderson_3

Hi Guys (first post)
I've been a victim of ID Theft and am currently trying to sort it out (Hell let me tell you)
I've had my Crime Number from the police and have given it to all the debt collectors chasing me, In the mean time I'm trying to re-claim bank charges. As my credit is now terrible I need to re-build it with a new Bank and Credit Card, but every one I apply to wont touch me. I start a new job next monday and need to take bank details to them, any body help me?

Thanks

cifpower

For a bank account apply for the Cash Card account from Barclays which comes with either a cash card or a 2in1 Visa debit card - your choice.

As for credit card, I would opt for Vanquis.

thriftymomma

Natwest Step account for current account banking and vanquis for a cc.

Mattanderson_3

Barclays said no and I have a Natwest account which I'm reclaiming charges from and have been advised to open a reserve account incase natwest close mine?

cifpower

You applied for the CashCard account in branch? What was the reason for the decline?

Mattanderson_3

Bad credit, they sent me a experian application form but I all ready got a report and it's not good

noah271007

Reason i suspect as he has stated, is to do with Fraud on his credit file...am I right? Cos of ID theft victim. No banks will deal with anyone who have a suspect fraud on their credit files, not even basic accounts.

I'm sorry to hear your problems, it is sheer bloody nightmare dealing it!

Hopefully eventually all will be resolved, although i would hold my breath as to when that would be!!