Find out what is logged against your name by doing a search with Equifax and Experien. Basically, you send em a postal order for two quid per name, and they have to send you their file.(posted 8140 days ago)If that shows any judgments (which not all repo's are logged as) or your bankruptcy, forget a crdit card. You might get a basic bank account, but that is all. Lloyds TSB and Yorkshire Bank are a little more flexible to people with past problems.