even if I filled liquidation 4 years ago, I have appropriate credit now my credit mark is over 700 and no late payments since the skint.

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Answers:    Banks use a totally different credit scoring center. They do not go by your credit mark at all. They hold telecheck, checksystems and one other that they use to determine if you qualify for an account near them. Bankruptcy has nil to do with your bank score. Bounce checks and unresolved edge issues do however. If you had ever vanished a bank reason open next to a negative amount you may not draw from an account next to another bank if and one and only if that next sandbank you choose uses the same check creditor that the closing one used.
For example, I had a fray with Woodforest, so they blackballed me on their Telecheck system, but go over to Amegy bank who uses Checksystems and be approved immediately, no black globe on record. No bank use all three, merely one.
Hope this helps. Have a great Day...
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