have you looked at Experian,checkmyfile,noodle they should be able to help why your credit is not being accepted?

Your defaulted debts won't be removed from your credit file for three years after you were discharged so both the account details for the debts you have defaulted on and the trust deed itself will probably be shown on your credit file until at least July this year. You should then check your credit file with all of the credit reference agencies, make sure everything is off and if not then write to your creditors.

Also applying for credit and not getting it affects your credit file too because it freaks other lenders out if they can see lots of credit file checks from other companies but nothing being accepted. A mortgage is even trickier usually so you should definitely wait until you've got your credit file clear and speak to an independent financial advisor before you start applying for them. (This is just from my experience and things I've read by the way, I'm not an expert)

Hi cp1872.

What types of credit have you applied for so far?

Hi cp1872

Your Trust Deed shows for 6 years from the date it was agreed, rather than 3 years from date of discharge.

Other debts are the same - 6 years from default, so if you have had your credit files updated to the correct TD date or close to it, they should all disappear around the same time. My TD was in Aug 2009. I was formally discharged in Sep 2013. The TD and credits will fall off the credit reference report between Aug 2015 and Nov 2015 according to the dates of default. (It was my choice not to keep pursuing the November date to be changed).

I have taken an Aquacard which I use to build up good credit record. My balance has been increased twice.
I also use a Next card.
Both of those cards are paid off monthly or quickly since the interest rates are higher.

As others have said, numerous requests for credit may be recorded on your credit reference file and may be going against you.

And TDA has asked what type of credit you have asked for so far.

Hi CP1872, just to echo what Firewalker has said, it really depends on what credit you apply for.

At this stage, you are realistically only going to be accepted by the sub-prime market.

My discharge has yet to drop off my file but I have gained the following credit cards;

Vanquis
Capital One (x2)
Aqua
APS Financial (which is known as Cash Plus - small £100 overdraft on prepay card)
Next Directory (albeit they revoked my account a few weeks in - still shows as a positive report on credit file though as they are paid on time).

I think applications to mainstream lenders are always going to result in declinature until the TD drops off your file. A mortgage is very likely to be out of the question until then.

There's some useful online tools that will pre-check your chances of credit cards loans etc. If you just Google pre-credit card checker you should find it OK. It doesn't show up as a search on your credit file. As others have pointed out, a lot of credit searches over a short period of time will harm your rating but only in the short term.

Good luck.

Regarding the "too many credit searches damaging your credit score" point I've read some interesting stuff on that (from multiple different sources so it's likely to be accurate).

It's not multiple applications for credit that is, itself, the issue.

It's more that multiple applications for credit within a short period of time could indicate that:

1 - Fraudulent activity is taking place - someone is trying to take as much credit in someone else's name as they can before the problem is discovered.

2 - Someone is applying for so much credit that they're likely to get themselves into repayment difficulty in the near future.

From this I don't think that people should be afraid to apply for credit that they believe is appropriate for their needs. After all, the only way you'll ever find out for sure is by applying.

I think some caution is needed not to take a scattergun approach of applying to anyone and everyone though.

Some thought and planning to identify a handful of suitable potential lenders and then applying to them sequentially (rather than all together) might be a sensible approach.

Your defaulted debts won't be removed from your credit file for three years after you were discharged so both the account details for the debts you have defaulted on and the trust deed itself will probably be shown on your credit file until at least July this year. You should then check your credit file with all of the credit reference agencies, make sure everything is off and if not then write to your creditors.

Also applying for credit and not getting it affects your credit file too because it freaks other lenders out if they can see lots of credit file checks from other companies but nothing being accepted. A mortgage is even trickier usually so you should definitely wait until you've got your credit file clear and speak to an independent financial advisor before you start applying for them. (This is just from my experience and things I've read by the way, I'm not an expert)