just a quick question or two ????

lillywitch

hi to all on this site.

This is my fist post, and i hope some of you may hold the answer to my question.

As a newly discharged BR ,i was informed by my bank that i would be unable to change my basic bank account for one with an overdraft for 10 years is this true ?
will my previous credit history still count against me or does it start from scratch.
sorry i get myself so confused with all this stuff.
any help or advice would be greatly appreciated
thanks in advance.

lillywitch.

scaredwitless32

Well the BR will show on your credit record for 6 yrs, but I would think it would effect getting credit for a considerable time after, although it probably varies from company to company..............(or maybe thats just wishful thinking on my part! )

Treadstone009

Co-op cashminder and a prepaid debit card would have pretty much the same capabilities as a full account accept their is no cheques/guarantee card:j

Discharged simply means you are out of the OR's hands but still certainly a credit risk to many unlesss your cirsumstances change massively, i.e lottery win.