There are thousands of people who can't get bank accounts because of their past credit history. High street banks are very fussy about who they give a bank account to nowadays. People often get refused bank accounts because of there credit score, now this could be down to some thing as simple as a late payment on a finance agreement, and it makes no difference, whatsoever, even if you have made the payment, as things such as these stay on your credit report for years.

Most of us need a bank account since it is essential for our every day financial business, like getting the salary's paid into and paying outstanding bills. Without a bank account life can be a little awkward.

So how do people in this situation get poor credit bank accounts? There are a couple of options for people who have a poor credit score, the first of which is to use a credit repair service. The exact manner` this works is that the credit repair company searches your credit file, and amends any old or out of date entry's and removes them, so your credit file is clear and you can carry on with any credit applications you wish, i.e. bank accounts, credit cards etc. However, there are limits to what they can remove, mortgage defaults and bankruptcy files usually can't be removed, but you won’t know that until you pay the credit repair company service fee.

If you have ever been bankrupt you will find it hard to get any type of poor credit bank accounts, since most banks don't want to touch people who have been bankrupt or are in financial doldrums. Yet another other option is to use the services of a company which specialises in poor credit bank accounts for people who have been bankrupt or have a poor credit score.