Can’t open business account- advise please

MEM62

DGDG said:

I wonder if I should resign as director so it’s just my husband on the application. I am a stay at home mother so am not contributing financially to the household, could I be the main liability here? 

If it is a limited company, then the company and you as an individual should not be directly linked. You and the company have separate credit ratings and your personal history should have no bearing on the company's standing.  What reasons have you been give for the refusal from the banks you have applied to so far?  

PRAISETHESUN

DGDG said:

Call credit equifax and Experian are the ones we have checked with, I think that’s the main ones?

The 3 CRAs are Experian, Equifax and TransUnion - you can request free copies of your statutory credit reports. Ignore any reference to credit scores/ratings, and focus on the actual data. Sounds like you've already identified the underlying cause of your issues (unpaid CC debt) but at least make sure everything else is being reported correctly. Remember that if your finances are linked, then anything bad on either of your credit files will affect both of you.