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Student Account with really bad credit rating... i need help!

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  • try a ica account with rbs
  • i think hardships your best bet to be honest. i got £500 last year and while i was totally skint and moving into a new flat a i ididnt have any debts and think theyd take them more seriously than not having a washing machine

    get a form asap - takes maybe a couple of weeks and they even paid me by baacs though my other half had to pick up the cheque

    this might help clear some of the debts and you can get this evey year and get a student overdraft later on.

    also not sure if this would help but i opened a visa electron with halifax then upgraded it to a student account so maybe you could try that way?
  • I got an student account with RBS with a default on an old credit card, 3 store cards and 2 catalogue payments (all with missed payments) and an old student overdraft
  • I got an student account with RBS with a default on an old credit card, 3 store cards and 2 catalogue payments (all with missed payments) and an old student overdraft

    What was your credit score points wise?

    I've got 1 default and a credit card with a £1500 limit but have been declined by Halifax and Smile.
    MBNA CC: -£8390
    Father-in-law loan: -£4500
    Student loans: -£17,120

    Total debt: -£30,010 :mad:
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