natwest credit card!! ccj please help

darcyvuqua

hi everyone i went through a rough patch around 4 years ago when i lost my wife to cancer she left me with a 5 month old son and i was only 23 with all this that happened i was in the british army so being a single widowed father of a 5 month old boy and a full time job i struggled!
i gained two defaults and a ccj in the same year as my head was far away with other thing but now i struggle to get credit i have payed the ccj of and waiting for it to be marked as satisfied and started to make payments on my defaults

thats enough of that now my question is i opened a natwest account last week the advantage gold account and whacked £600 in there and then i have put a further £59 if i continue with paying money into this account when i go into the branch after 6 months wil they take my account into consideration if i apply for a credit card of will they refuse me due to my credit file/score?
also when my ccj gets marked satisfied what impact will that have to my credit file/score thanks in advance for any answers and sorry for such a long thread

Bismarck

just a quick note to say well done for your progress...the experts will be along with more help regarding timescales re the CCJ etc...

take care

skyrider007

I wish you all the best.

PAULUK08

CCJ'S and defaults are normally on file for six years from the date registered . If they are paid , they will still show , but you would need to get the original creditor or Northampton county court to issue a notice of satisfaction . I would check your credit file with Experian or /and Equifax and maybe raise with them that these debts are paid and to make sure this is showing.

The only way your file will show better is over time , with all the payments up to date - how much money you have in your account will not show to other lenders , although your banks own internal score would be good.

The above is from my own experiences and I hope this helps.

jonnyb

put a notice of correction on your file.
you are allowed 200 words (I think) to adda note on your file that can exaplin the circumstances to lenders.

the notice of correction means that any credit application has to be referred, instead of automatically declined, so you might stand more chance of getting past the auto declines.

check out the link to experian's help site below.
http://experian.metafaq.com/templates/experian/main/answerPage?_mftvst:answerRef=%24http%3a%2f%2fapi.transversal.com%2fmfapi%2fobjectref%2fEntryStore%2fEntry%2fhttp%3a%2f%2fwww.metafaq.com%2fmfapi%2fMetafaq%2fClients%2fexperian%2fModules%2fCredit_report%2fTopics%2fnotices_correction%3a137356%3a1&_mftvst:moduleID=%24Credit_report&_mftvst:topicID=%24notices_correction&id=TN097U1Q8Q8VBG5DC97DI3A7KO