natwest behavior score help please

Night-owl_6

I dont have a ccj.
I just have a default, the debt was written off at the time of the default being registered against my credit file.

Kavanne

The OP says they have a CCJ and are after an OD and Maestro.

Night-owl_6

Yeah, sorry thought you meant me.
I think some banks will give there customers a OD so long as they keep there current account in good order and fund the account at least monthly.
Even with a CCJ you can get on, as when I got my default against my credit report, the bank gave me a small OD at first (my old bank, now closed) then put it up when I was operating the account correctly.
As I say, the banks tend to do internal checks not re-credit check you for a OD so long as you already have a account with them.
Sorry for the mis understanding.

Kavanne

kk, Natwest will credit score you each time you try and create/increase your OD and it may come back as a decline on 'Credit History'.

Night-owl_6

I guess it depends on the bank your with, I know A & L dont re-credit check you, only do a internal check on your operating of the account.
But you might get lucky if you wait at least 6 months since you had the account and re apply.

Kavanne

OP, you may be offered an OD some time in the future but don't get your hopes up.

darcyvuqua

hey guys just been accepted by vanquis for a credit card not sure of the limit or the apr% however as it will be for small buys paid off in full as a rebuilding tool for my credit file/score

Night-owl_6

darcyvuqua wrote: »

hey guys just been accepted by vanquis for a credit card not sure of the limit or the apr% however as it will be for small buys paid off in full as a rebuilding tool for my credit file/score

Well done darcyuqua!!! :beer:
I was refused a Vanquis credit card
Is Vanquis part of Provident personal credit?

Tori_Bellatrix

Night-owl wrote: »

Well done darcyuqua!!! :beer:
I was refused a Vanquis credit card
Is Vanquis part of Provident personal credit?

Yes, they are ..

How long ago do you try for the Vanquis card?

Night-owl_6

Tori_Bellatrix wrote: »

Yes, they are ..

How long ago do you try for the Vanquis card?

I applied around 2 months ago, but being that there a part of Provident that is why, I took a loan out for £400 with Provident afew years ago and the rep stopped calling to collect payments, I offered to reply the amount in full with intrest, they refused in there office to take the money from me!!!!
After that I just left it, they passed it on to debt collectors but told them the above and they wrote the debt off as it was Providents fault, but thats why they wont let me have a card:mad: