Is it worth me re-applying for Starling now?

J0hnT

Hello everyone, I am new to the forum so apologies if this is a strange question or unable to be answered.

I applied for Starling Bank in January 2019, I was declined with a total of 9 defaults from early 2015 but all defaults were low amounts and settled.

5 defaults have now fallen off being from 2014/2015 and I’m now left with 4 defaults from mid-late 2015. All defaults have been settled for a while now, I’ve not missed a payment in a long term but according to TotallyMoney in 1-2 years I have 30 missed payments because Hoist Portfolio were reporting missed payments because a default hadn’t been paid back. The latest missed payment from Hoist Portfolio is Nov 2018.

I have a CIFAS protected marker on my name (at my request because in 2017 my ex girlfriend opened a credit card in my name) but I don’t think this should stop me as I’m physically showing my face in the application and can explain this with proof of me requesting this marker to be added, no fraud was committed on my side but was asked for, for my own protection.

Just giving you guys background because I don’t see many people being accepted with defaults according to a search of this forum and google, unless I’m looking in the wrong place. The only credit cards I can get are the likes of Aqua and Capital One so it’s not like I’m a wanted person by any credit offerings lol. I also have no debts whatsoever and pay my capital one card off in full.

If it’s not worth applying for, I’ll bin it off. No records on any of the other fraud agencies and my application with Starling from N Hunter showed as “Clear” in 2019. So can only imagine it was my credit report that was turning them away from me. Already have Monzo but curiosity has gotten the better of me.

Sorry for my long post, I have a habit of rambling on

J0hnT

Just checked, TotallyMoney says 190 missed payments in 2-6 years. Crikey lol, lots of defaults that weren’t repaid for a year or two.