I'm not sure to be honest, I used to just bin anything that looked like a debt letter, very stupid of me I know.

I applied online, to be honest I do everything I online, i wouldn't go into a branch because I expect to get turned down for everything and It is embarrassing. I used to work for A&L as part of a placement because I did a NVQ through their training Centre. So i will never have gone on their records as an employee as such. Also it was about ...

I havn't had a credit report done for years, no point really. lets just say if it was out of a 1000 i would be lucky to scrape 150. Mine is really really bad but thankfully A&L have thrown me a lifeline and I am going to make sure I improve my rating from now on.

I have a bad history on the credit front with a lot of unpaid debts over the years, all my fault and something I am starting to try and work on. I cannot get a credit card with anyone at all not even Capital One or Vanquish and have spent the past 10 years with (I am 28) nothing but a basic bank account, no bank would let me have a current account ...