Default from 6 1/2 years ago still an issue when applying for credit

brierly

Nearly 6 and a half years ago I made a part settlement fo a debt of about £1000 - the debt company let me off about £300.

I had expected after 6 years that I'd be able to get credit again since I've had not so much as a bank charge ever since my account defaulted over 6 years ago but I'm still being refused a sim only contract with o2 and a savings account with the co-op. I have however had a couple of credit cards which I keep way below the limit and always pay on time.

I thought I'd be free of this black-mark after 6 years and my credit file says it is as it's not showing anymore, yet I'm still getting refused for a phone contract. I'm also concerned as I want to get a mortgage soon.

Can anyone give me any advice on this please?

roonaldo

There will be other factors they consider. Are you on the voters roll? Have you had a look at your credit search to see if there are any issues. It sounds like something is up.

brierly

Well this is what I cannot understand. I am registered on the electoral roll and was at my last property going back 5 years. I've never had any back charges and within the last 5 years have had credit cards which I've used and paid off in full, then closed.

I was thinking maybe as the co-op and O2 were companies I applied to when the default was on my credit file, that these companies are refusing based on the fact that thet refused me before.