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Where to Get a Poor Credit Bank Account
What are the Benefits of a Basic Bank Account?
Basic Bank Accounts - Pros and Cons
The financial system does work against people that have adverse credit, but there is always a way around things. Bad credit bank accounts are available now and an adverse credit history is completely removed from a credit report after 6 years has elapsed.
Depending upon the severity of past financial difficulties there are a variety of accounts available. All accounts discussed below are available to those with County Court judgements (CCJs) and discharged bankrupts.
The Co-Operative Bank Cash Minder Account is arguably the most useful. Unlike many accounts available to undischarged bankrupts and those with very poor credit, it comes with a Visa Electron card.
Of the above accounts, the Natwest Step Account is arguably the best. Not only will customers get a full counter service, there is the added benefit of a Solo card. This means that purchases can be made online and at local merchants.
Bank Accounts for Bad Credit,[link widoczny dla zalogowanych], Including Discharged and Undischarged Bankrupts
Yorkshire Bank Ready CashNatwest Step AccountBarclays Cash Card Account
Sources
If a Natwest Step Account is managed satisfactorily for a period of 6 months it may be upgraded to full status. This would mean that, regardless of a previous adverse credit history, a cheque book,[link widoczny dla zalogowanych],[link widoczny dla zalogowanych], cheque guarantee card and overdraft facility would be available.
The account is available for discharged bankrupts,[link widoczny dla zalogowanych], but a certificate of discharge will be needed. The cost of this is currently £60.
Bad Credit Banks Accounts for Undischarged Bankrupts
Nationwide Flex AccountCo-Operative Bank Cash Minder Account - Visa Electron card
Basic Bank Accounts for Bad Credit
In order to prevent social exclusion, banks are under a lot of pressure to provide those with adverse credit a basic bank account where direct debits and standing orders can be paid. There won't be an overdraft facility and there may be restrictions on counter usage, but it still serves a useful function.
Debt and Credit-related Articles of Potential Interest Include:
Guaranteed Unsecured Tenant Loans for a Poor Credit HistoryPawn Shop Gold, Silver and Jewellery No Credit Check Loans OnlineBuilding Better Credit Score Ratings for Easy Credit Approval
Not being able to get an account can be the result of credit report errors. Order a report and validate that all the information held is completely accurate. Provided the appropriate supporting information is provided, incorrect information can be amended through directly through credit reference agencies. If this is the reason for credit problems, rectifying the issue could quickly lead to approval.
Get Approval for an Adverse Credit Bank Account Today
Correct Mistakes Before Applying for a Bad Credit Bank Account
"Types of bank account." Directgov.
A bad credit bank account is specifically designed to help people with past credit indiscretions. Just as an adverse credit history makes it more difficult to borrow money, opening an account can be just as challenging. The UK government has sought to address this issue with the introduction of the basic bank account, which doesn't involve credit scoring at any stage of the application process. This means that they are suitable bank accounts for undischarged bankrupts.