Which credit card?

sammie28

I was hoping someone could point me in the right direction...
I was stupid in the past and got behind with payments which means i have a ccj which is going to drop off my file in 2 weeks time. It has already come off Equifax! I have confirmed this with them.
Also a satisfied Default which is just over 5 years old. I have really sorted myself out in the last 5 -6 years and have not missed any payments and no recent searches. According to Experian i am using 30% of my available credit.

I have a Cap one card 24.9% and a Vanquis card 39.9% ( Ouch) Limits of £1000 and £2250.

So after the ccj comes off, i would like to look at getting a Bt card, maybe Nationwide or Barclaycard to get away from the high interest rates of Cap one and Vanquis.
I did a soft search for Barclaycard cause i knew the ccj had come off Equifax but it still said i was declined! I have since found out that Barclaycard now search Call credit too. Which obviously still shows the ccj! ( Seen a post on here about Barclaycard searching call credit on people that applied)

Which do you think i should go for bearing in mind i will still have that default showing on Experian and Call credit. It's not on Equifax.
Thanks for reading, any advice appreciated.

Curr946

your own bank, ie the one were you wage is paid into. They have more information about you that any other lender are more likely to accept you on that basis

SCO

Creation are not as strict.

sammie28

SCO,thanks for your reply. Who do Creation Search?

SCO

not too sure who they search.

Creation sit between sub-prime and prime.

sammie28

Thanks, i think they use equifax. Might give them a go.