Credit Cards for people with bad credit

In the UK you are able to check your credit file and see exactly the information that the lenders see when assessing your application (for more information on credit scoring, follow this link - free credit report online)

Your credit report should show, in detail, how you have conducted your credit card accounts, bank loans, car finance, mail order, mobile phone accounts, and sometimes even your mortgage or current accounts.

All accounts held over the last six years are included, whether closed or still open, together with all balances, limits, and, where applicable, late payments and defaults. You can also view any notices of correction or notices of dispute, and details of anyone else on your credit file who is being assessed alongside you.

If you have had credit problems in the form of missed payments or defaults, ccjs (county court judgements) or bankruptcy then obtaining a credit card or other finance can be extremely difficult.

Bad credit credit cards

For more information on credit cards for people with bad credit and to apply online for a range of credit cards for people with credit problems visit credit cards for people with credit problems.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DON'T KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER DEBT SECURED ON IT.

The actual rate available will depend upon your circumstances. Ask for a personalised illustration. Secured loans are subject to status and available to homeowners aged 18 or over. Loans may be secured on your home. Calls may be recorded. Rates 7.9% APR to 19.6% APR Variable
The overall cost for comparison is 11.9% APR Typical/Variable.