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Waste of time....

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donnacraig1984
donnacraig1984 Posts: 137 Forumite
Tenth Anniversary Combo Breaker
in Budgeting & bank accounts
I currently have a basic cash account with lloyds. Had it for 2 years now was thinking of trying for a current account. I also have a credit rating builder credit card with Capital one. Always use and pay. I have 3 defaults that are almost 5 years old and fully paid. Credit rating has been tidy for the last 4 years except the defaults. Would i be wasting my time applying for a current account, Also dont want lots of searches on my file.

Thanks Craig

Comments

  • simax
    simax Posts: 1,976 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Advice would be to try and get a Classic Account with Lloyds TSB. They may not score you externally if your account conduct has been good.

    Let us know how you get on! ;)
    I spent 25 years in the mobile industry, from 1994 to 2019. Worked for indies as well as the big networks, in their stores also in contact centres. I also hold a degree in telecoms engineering so I like to think I know what I’m talking about 😂
  • onlypaddy
    onlypaddy Posts: 991 Forumite
    Debt-free and Proud!
    agreed, i think that with a default on your file your only chance may lie with internal scoring
    Debts at LBM (May '08) £5760 - Lloyds CC £4260, Lloyds OD £1500;
    Debts as of May 28th 2011:
    Santander CC: £0.00
    Lloyds OD : £0.00
    DFW Nerd #1247 - Proudly dealt with my Debts :D Olympic 2012 Challenge #12
This discussion has been closed.
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