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    Equifax credit score 426 (bad?) best lenders around for 3k (secured/unsecured)???!!!
    • #1
    • 6th Dec 12, 11:18 PM
    Equifax credit score 426 (bad?) best lenders around for 3k (secured/unsecured)???!!! 6th Dec 12 at 11:18 PM
    New to this forum otherwise won't be in such messy situation now...
    Im urgently looking for the any type of long term loan at about 3-4k, my credit score as at today 426 with Equifax (their rating is good), no delayed payments, CCJ etc. Only things (probably the major things) what i believe has effecton my credit rating is:
    1. current overdraft maxed out -5k
    2. credit card maxed out - 2.5k
    3. my name isn't on electoral register more than 1 year now (still living at the same address, but apart from stupid credit checks can't see the point to stay in there)
    4. couple little loans - max 700-800 both
    5. 2 extra bank acc's, one of them overdrawn since opening (about 400) another one life but no activity on it.
    Reasons to get the loan ASAP is to pay PDL (about 5 lenders at the end of this month) over 3k (inc interest)
    I've got mortgaged property and a full time job (about 25k/year)
    I had one credit file search (according to equifax) within last 6 months so don't want to be turned down with a first lender im applied with...
    I would kindly appreciate for some tips and advise to get the best (if any at all?) deal for such poor credit score (have been declined few loans applications about 8 months ago)
    P.S please just do not judge my circumstances, im there where i am...and you never know.. it could happen to anyone
    Last edited by pizdec; 06-12-2012 at 11:23 PM.
    QuickQuid 950, Wonga 400, Paydayexpress 300, Wagedayadvance - 150, PaydayUK -390 :suicide
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