What next after Vanquis / IVA

giblet10

On 9 Feb '12, my credit files will become clean, no defaults, no IVA anymore (six years) and no late payments.

I finished IVA in early 2011, on schedule.

I currently have recorded on CRAs:

- 11 yr old bank account with od (since IVA finished)
- 6 yr old mobile phone
- Vanquis reporting 9 greens
- Nationwide and Natwest reporting greens - no od

I'd like to go mainstream when CRAs go clear, so which one? I'd love an AMEX again but I heard they have elephant memories - I also quite like the LTSB Amex/Mastercard Duo deal - but again I have bad history with them..

Of those with whom I didn't get into the s**t - there aren't many sadly:

- Nationwide
- Sygma / Creation
- Yorkshire Bank

Which one would you choose? Actually which ones have I missed?

The ones I said 'bollox I ain't payin' (subsequently in IVA) to when the bills arrived are:

- Cap One
- Halifax
- LTSB
- Amex
- NatWest & RBS (yes, I had both)
- MBNA
- Barclaycard
- Egg

Whether any of these actually keep data longer than six years I don't know. I know the defaults have to drop off six years from default but not sure if the banks can keep data internally forever..

Any help/suggestions greatly appreciated..

izools

when you go clear you can use the nationwide online credit card quote. It will tell you your APR / Limit based on a soft search of your credit file - essentially telling you whether or not you'll be approved befor leaving a footprint.

chanz4

I would go for the creation flybe, barclay card is a no no as they do remember. Capital one tend to let people have cards back though

Bravehearted_2

Sorry to say but you have practically zero chance of getting an Amex.