Firstly get an experiene / exquifax credit check done, couple of pound.

See what is what, there may be nothing on your credit score or you may have others like parents on there that shouldn't, you can get these removed easily.

If you have something on there, see if you can rectify it, as the owed company if you can pay it off under the understanding that they will remove the listing?

If you have a credit card, then your rating can't be to bad. Do you have a bank account, if so make an appointment and speak to an adviser, see if they will be willing to loan you the money.

Don't just apply for endless loans from place to place, it will go against you rating so speak to people first and get advice from them before trying them for a loan.

Do Capital One not do loans?? surely they will allow you one if they will give you a card?

Matt