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To be successful in getting one or have a very good business plan. i have no county court judgements and have never been declared bankrupt but i am paying back a overdaft owed to halifax. i was working about 3 years ago and became ill and had to leave work. the moment i left my job halifax demanded their overdaft back in one go. i couldn;t pay it back in one go so arranged to pay it back monthly. i have noticed since this time that it has been difficult for me to get credit. i did not know therefore whether a business loan was checked against my own credit rating.. if so then i am stuffed!

Hi i have opend a business account in november and i have bad credit and i got a business account with barclays so you should have no probs getin one from them they only look at your history in the last 12 mounths you should be sound there