After BR discharge - which are the best companies for setting up/changing accounts?

jnmast222

I have been discharged from bankruptcy for two years, my credit files are 'settled/satisfied' and I'm trying to build up my score e.g. with Vanquis credit card and Cashplus loans.

I was wondering what accounts are easiest (or most difficult) to get or change to with my record.

1) Electricity/gas companies - e.g. EDF, British Gas
2) Broadband - e.g. Virgin, O2, BT, TalkTalk
3) Landline telephone - again Virgin, O2, BT (I guess these might be more difficult as charges can be racked up for phone calls)
4) Mobile phone companies (as above)
4) Non 'basic' bank accounts?

I am most concerned about contacting companies that aren't acceptable, being refused, and then finding my credit score being affected.

Any help on which are good 'uns would be great.

Thanks.

PippaGirl_2

I'm a bit confused about that, as despite my BR I have accounts with energy company, Sky etc. - will I lose them then? I don't owe them any money, I pay up each month.

I will be interested in how long after discharge I would be accepted for a non basic bank account though, wondered that myself. The cashminder account online is rubbish, doesn't update for days so you don't know the true balance at all.

mysterio_2

PippaGirl wrote: »

I'm a bit confused about that, as despite my BR I have accounts with energy company, Sky etc. - will I lose them then? I don't owe them any money, I pay up each month. as long as you can afford the montly payments etc shouldnt be an issue

I will be interested in how long after discharge I would be accepted for a non basic bank account though, wondered that myself. The cashminder account online is rubbish, doesn't update for days so you don't know the true balance at all.

be six years before you can look at a non basic account the odd one or two people have managed to upgrade BUT chances are very rare, the co-op system can sometimes be a little behind true BUT its the only acc that will offer a bankrupt or indeed a discharged bankrupt this service..

Be worth a try ringing the co-op they've launched a txt message service a little while ago that will give a more up to the second balance better than online

mysterio_2

jnmast222 wrote: »

I have been discharged from bankruptcy for two years, my credit files are 'settled/satisfied' and I'm trying to build up my score e.g. with Vanquis credit card and Cashplus loans.

I was wondering what accounts are easiest (or most difficult) to get or change to with my record.

1) Electricity/gas companies - e.g. EDF, British Gas shouldnt be an issue
2) Broadband - e.g. Virgin, O2, BT, TalkTalk most credit check (and some may ask for a deposit as a new cust) again though most will be fine
3) Landline telephone - again Virgin, O2, BT (I guess these might be more difficult as charges can be racked up for phone calls) as above....
4) Mobile phone companies (as above) try a sim free deal for now & wait & see..some providers after a period of a few months "may" offer an upgrade to a full contract...BUT again some mobile providers may ask for a refundable deposit when signing up...and for the record? my brother's been discharged now 5+yrs and still struggles with a mobile contract
4) Non 'basic' bank accounts? mostyl 6yrs before you can upgrade

I am most concerned about contacting companies that aren't acceptable, being refused, and then finding my credit score being affected.

Any help on which are good 'uns would be great.

Thanks.

I notice you mention your "score" a few times...this number is meaningless now as nearly all providers look to in house screening anyhow, while bankruptcy sits on credit files for 6yrs it's difficult to say what credit can be obtained

kepar

I notice you mention your "score" a few times...this number is meaningless now as nearly all providers look to in house screening anyhow,

mysterio have you got any evidence to back this up, I don't mean quotes from posters on this site.

mysterio_2

Hmm seems to be a regular occurance you making comments about posts i've made and i'm getting a little bored now of your attitude

as it happens I have some proof yes..would you like me to send you copies soon as i'm back at my desk? PM Email or if you wish i'll deliver in person

sorry had to go out but next time i'll ask your permission if thats ok?