hi mate, i hear u need help with ur credit bad. ill deal with ur question on the bank, if u wanna open a bank choose royal bank od scotland and as you have finished that application form ask to fill one out for a credit card (i will still say its a 50/50 chance still as i still got 1 with 2k det). A house phone and a mobile do help. i would also say 02s a rip off for contrcts as i would say vodafone is exspensive but reliable, i would recamend u to 3 as there prices are lower and u get mre for your moni.

- my favourite is to open a joint account in yours and your partners name, what this dose is increases the chances for a loan (how they see it is if u cant afford it they will turn to your partner).

- get sky or virgin (internet, tv)

- i dnt no u as such but if you have a skill in a trade and u no how to run a business go limited (LTD) as this means banks will not look at ur credit and gose 4 your word on your business plan.

-theres a company called BUY AS YOU VIEW which are better and cheaper then bright house they would take u on as there not really interested incredit scoring.

hope this has helped u a little as im 21 and still looking for more loop holes