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In most cases it's a bad move: some mortgage underwriters openly say they reject anyone with them.
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The wobbler, here, is how do you get a credit card if you've a poor history? These have hideous 25–50 per cent APRs, but that's irrelevant as you're repaying in full. So repay all debts by direct debit even if only for the minimum – then pay manually on top each month.The three credit reference agencies, Equifax, Experian and Callcredit, have files containing lots of data on each of us. You've a statutory right to check your files either at no cost or at the most, £2.Callcredit has a free service (uk), and both uk and uk offer month–long free trials of their expensive (and overkill) credit monitoring services; so grab those, view your files then cancel the trial.Neither likes overweight men, both like thick hair and good looks, but Lara likes intense, stubbly guys, Cara prefers clean shaven with a sense of humour. County Court judgments and bankruptcy stay on your file for six years; applications one year.There are lots of guys they would both reject, but they don't always like the same men. So if they're soon to lapse, hold off on new applications until they have.