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Credit file & ratings
Archives for March 2016
Discussion List
Pay Day loans
Has anyone had any success gaining a mortgage while having payday loans still on there credit file? If so how old were the accounts and which mortgage companies did you use? Alternatively if were you rejected, how old were the accounts on file and which companies did you try? I'm aware everyone is different and has…
Poor credit score but big deposit
I'm looking to get a ftb mortgage for £120k property I can put up 60k deposit but my credit score is in the high 560's ie poor I've read lots online and I'm now worried I won't be approved for a mortgage. Has anyone had experience of this ?
Settlements and Defaults
In 2010 I entered into a Debt Management Plan as I was finding it a bit of struggle to pay all of my creditors. Part of that plan was a loan from Natwest Bank, which was originially used to clear a large amount of previous debt built up from the period from finishing uni to that point as well. In 2013 I received a sizeable…
Too many credit cards?
Hi I see a lot of conflicting ideas about whether this is bad for credit rating or not. Just wondering what people's thoughts are now? I've got 4 credit cards with a lot of credit and if I'm looking to apply for a mortgage in the next 12 months do you think this looks bad to lenders? Amex - £7k limit Do as much spending as…
Credit Available on Credit Card v Reduce Limit
Hi there I am looking at improving my credit score. I have three credit cards at present. Each one has available credit to use. However on searching my recent credit score the only problem I had was that I had maxed out my borrowing. I am currently in the process of paying these cards off but the question is. Is it better…
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