I only have two defaults left on my credit files and obviously the bankruptcy. A number of my defaults have fallen off recently and all accounts are shown as settled with the correct date of default.
What i don't understand is why i have been turned down for savings accounts, account upgrades and recently sim only mobile phone contracts with both O2 and Orange.
Surely as i only have a matter of months before my credit files are clear and the fact that i have a number of accounts being run well i should be able to get a sim only contract!?
There are people who have recently been discharged and had far worse bankruptcy's than myself who appear to easily get account upgrades, mobile phone contracts etc.
Why is it so different for different people when trying to obtain any form of credit??