if you have been black listed how long before you can get credit?
968599
there is no such thing as a black list\n\ncompanies offering credit will make their lending decision based upon your credit history.  so 1st thing to do is get in touch with experian and pay your £2 and get a copy of your credit history report.  go through this and make sure it is accurate.\n\nThen, if it looks bad, and from the way you describe it it probably does, get yourself a guaranteed credit card. One where you have to pay them a deposit up front.  www.capitalone.co.uk if you cant find one.  Then make sure you make regular payments. \n\nI used mine to buy petrol each omnth and then paid it off in full every month WITHOUT FAIL.  after 7 months I had built up enough of a history to then get a card from sonmeone else with a decent credit limit (ok it not as much as they give everyone else, but its still ,000s) from another lender.\nand as i have been bankrupt a few years back my credit history cant have been worse.
286457
You can do online disputes w/ all 3 credit places and wait the 30 days to see if it can be verifed or not. If it's the only bad thing I wouldn;t worry about it.
1020972
check your credit report to make sure everything you filed was removed and\nthe only thing it should say is chapter 7\ndischarged. And then make sure you pay all\nbills on time at least 6 months in a row before\ntrying to get credit.
585788
You apply for a credit card under your name and the joint person.  This will give you credit so long as you pay the bill on time.  Read the fine print because alot of credit cards are only 21 days to pay.  If you default the burden falls on the joint person, which won't be so good.  If you want credit your better off buying a car or taking out a loan and paying it back.  Credit cards are a joke and make it to easy to get into debt.  Also bankrupt laws have changed so it is not so easy to get them erased.
151363
Not unless they report to the credit bureaus.  If they don't report, than it's not doing anything besides delaying your payment.  Most of the time places like that don't report until you are grossely delinquent.
814380
Talk to your attorney or pull your credit. It depends on if it has been discharged yet.
88835
It all depends on how fast your credit card company reports it to the credit bureaus.  How long has it been?
182613
Depending on the type of account(installment or revolving) it can take anywhere from 30-90 days. Their is no legal requirement that they report at all to the credit bureaus. The creditors do it so they can monitor their customers credit and have that power so you will be persuaded to pay on time.\n\nThis is called credit reporting lag. Also be aware that some credit card companies are now only reporting high credit(the highest amount you have charged in a month) and not balances and credit limits like they should.\n\nGood Luck
982090
Yes, you can by  asking the credit bureau, the best thing is \napply for a credit card if they approved you it means you do have a good credit and if not it means you have a bad credit.
838746
Unfortunately, Bill me later works off a credit background. Unless you have a credit rating of over 500 then they will not consider you.
987875
Negative credit can show for 7 years.  realize that everytime you apply for a credit card, it lowers your score, same as if you need to rent a place they do a credit check.  All of this lowers your score.  BMG and cell phone don't really affect your credit in terms of building credit (but they do hurt if you don't pay).  Try going to your bank and getting a CC from them with a very low credit line.  Use it and pay it off every month.  After a while, your credit will increase.\n\nPAY YOUR BILLS ON TIME!!
504014
the fastest way is to ask a trusted friend or family with good credit to add you as an authorized user on one of his/her accounts. This will add years of credit on your report. Example..your mom has an account with sears that she has paid on time for 3 years..by adding you as an authorized user your credit report will show you have had an account with sears for 3 years also. If that doesnt work try getting an secured card and pay it on time and keep your balances low for 6 months..then wham!!
908646
Some credit is available to people with bad credit experience.\n\ngood luck !
354257
You can go on D&Bs website it get a DUNS number for free, takes about a month after applying. You always have to use you own credit profile. If this is for a corporation you are not introducing yourself to any personal liability by using your credit profile when applying for business credit.
1044109
you will be charged a late fee. It 30 days it will go n your credit report
99654
No, if you have credit with the company they usually report monthly or so. If you get your credit report it will tell you what months you were late over 30, 60 or 90. When it goes into Collection...well, thats a red flag. They have a section on your credit report for things like that and bankrupcy.
695909
If it's been 10 years since you made any payments, wait another 6 months and the charged off account will be off your credit report and won't matter anymore.  Some of them may have fallen off after 7 years anyway.