Hi All

In november last year i went over my agreed over draft limit two months in a row and didnt realise it had be marked on my excelent credit score. In March i decided to consolidate a credit card and personal loan into a new loan.

Reason was i was only making min payments to the credit card and not realy paying anything back and wasnt able to pay any extra to reduce the balance. I then applied for three loans, and got refused saying i had bad history.

I then checked my history and found the above markers on my account from A&L current account.

My question is; seen as more than six months have passed will the likes of Tesco accept me for a personal loan.

I need unsecured and amount is 13k to consolidate and make a car deposit.

Whats is peoples opinion?

NOTE; i was on Tesco site and i checked the loan advisor system for take home wages against what i want to borrow and it replys i will probably be accepted but it doesnt take into account my history.

Please help