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oscarshindler
oscarshindler Posts: 3 Newbie
in Credit cards
Hi there just wondering if i can apply for a credit card with a company that i defaulted with 12 years ago

Comments

  • stephane_2
    stephane_2 Posts: 3,076 Forumite
    Yes of course, your default would have gone a long time ago, it would stay on your file for 6 years from the date you defaulted...
  • oscarshindler
    oscarshindler Posts: 3 Newbie
    stephane wrote: »
    Yes of course, your default would have gone a long time ago, it would stay on your file for 6 years from the date you defaulted...

    What even that they sent the balance to a debt agency i could still apply
  • worried_jim
    worried_jim Posts: 11,631 Forumite
    10,000 Posts Combo Breaker
    They may still decline you though. I would in my company no matter how long ago the debt was, any unpaid bills or signs that you were a bad customer then sling yer hook.
  • oscarshindler
    oscarshindler Posts: 3 Newbie
    worried_jim wrote: »
    They may still decline you though. I would in my company no matter how long ago the debt was, any unpaid bills or signs that you were a bad customer then sling yer hook.

    I might apply and see what happens
  • jonesMUFCforever
    jonesMUFCforever Posts: 28,898 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Yes you can apply but there might be the likelihood that they would still have internal information about you which is permissible under the DPA.
  • stephane_2
    stephane_2 Posts: 3,076 Forumite
    jonesMUFCforever wrote: »
    Yes you can apply but there might be the likelihood that they would still have internal information about you which is permissible under the DPA.

    After 12 years.....I doubt it very much
  • KingElvis
    KingElvis Posts: 4,100 Forumite
    Very few companies will have access to information from 12 years ago, if you still owed them money there's a small chance.
    "We want the finest wines available to humanity, we want them here, and we want them now!"
  • jonesMUFCforever
    jonesMUFCforever Posts: 28,898 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Banks have long memories!
  • redpete
    redpete Posts: 4,738 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    oscarshindler wrote: »
    Hi there just wondering if i can apply for a credit card with a company that i defaulted with 12 years ago

    You can certainly apply, whether or not you would be successful would depend on: 1) whether they remember you from before; 2) if so whether it makes any difference; 3) whether you meet their other lending criteria.
    loose does not rhyme with choose but lose does and is the word you meant to write.
This discussion has been closed.
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