hoping for card how long after

almost_there

Hi all, i'm hoping to apply for a card(mainstream) in roughly October, this is when adverse data falls off of my Credit files, does the info fall off itself? and should i remove the noc before I apply. roughly how long should i wait after the info falling off as got 12months of (0s) with Cap 1 and hoping to apply to Virgin/Tescos( which is the easier to get with the more generous limits. Thanks. M

thriftymomma

In theory, you should be good to go when it drops off, and with regards to the NOC, I would say take it off as all that does is force someone to manually look at your application I think.