Friday, November 6th, 2009
What happens after you successly complete credit counseling?
kelly g asked:
I am about to finish my 4 years of credit counseling. I know during cc you should not apply for credit but i did and i was turned down. I recently found out that if you are in cc other companies turn you down automatically and that makes sense. My question is now that i am finished with the cc can i apply for a new credit card and will i keep getting turned down and if so for how long. Exactly what happens after you successfully finish credit counseling?
I am about to finish my 4 years of credit counseling. I know during cc you should not apply for credit but i did and i was turned down. I recently found out that if you are in cc other companies turn you down automatically and that makes sense. My question is now that i am finished with the cc can i apply for a new credit card and will i keep getting turned down and if so for how long. Exactly what happens after you successfully finish credit counseling?
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November 8th, 2009 at 3:47 am
Are you in the UK? If so, then any kind of debt management plan will be reflected on your credit reference, any default will still show for 6 yrs from the default. Any debt that is not paid in full will show as ‘settled’ rather than paid in full. All of which will affect your credit rating and ability to get a card. But if youve just spent 4 years paying off credit, why do you want to get into debt again?