awful credit rating

claire6hy

i am hoping to get a loan to get a tummy tuck, but 4 years ago when i was 18 i messed up and got in debt with a phone bill. the debt collectors have been paid in full, and i hardly ever miss payments on anything now, am in no debt.

any idea if i would get a loan anywhere? or how i could improve my credit?
x

Kez100

You are 22 and want a tummy tuck? I would forget the loan and join the local running or swimming club while you save up.

claire6hy

Kez100 wrote: »

You are 22 and want a tummy tuck? I would forget the loan and join the local running or swimming club while you save up.

due to childbirth, and gaining and losing a lot of weight twice.
have tried gym, dieting, and everything i can think of!

mrcow

Tummy tuck aside as I think you're crazy to even consider such a thing when you obviously can't afford it (you have a family to support for crying out loud), there are simple steps you can take to improve your credit rating.

A general guide is found here:

http://www.moneysavingexpert.com/banking/credit-rating-credit-score

As far as getting a loan, unless you have a good rating, you are going to get ripped off royally.....so tread carefully. You can always post details of prospective deals here if you'd like a second opinion on them.

tictax

claire6hy wrote: »

and i hardly ever miss payments on anything now

If you are missing payments albeit occassionally you will struggle to get credit.

I agree with the other posters about the dieting. What does your doctor say about this?

muddypaws2807

Try Pilates or The Plank which was demonstrated on The Chris Evans Show, little effort much to gain

bathgatebuyer

claire6hy wrote: »

due to childbirth, and gaining and losing a lot of weight twice.
have tried gym, dieting, and everything i can think of!

Please research this type of procedure - it's not a quick fix, it is major surgery and has all the normal risks of surgical procedures. I'm sure it was this that footballer Colin Hendry's wife had and she's ended up having 6 weeks in a coma and needing 20 operations to have it put right. :eek: Is it worth so much to you that you would jeopardise being around for your children?

I don't want to sound unsupportive, but you're 22 with a life ahead of you. Why risk that for a tummy tuck and years of debt paying for it when you should be enjoying being a Mum?

My figure is not perfect by any means, I used to be superfit and at the gym twice a day. I'm not like that anymore and have more of a stomach than I'd like, but I cna't imagine wanting the debt, pain and risks associated with this, even less so if I had children to look after and love.

claire6hy

bathgatebuyer wrote: »

Please research this type of procedure - it's not a quick fix, it is major surgery and has all the normal risks of surgical procedures. I'm sure it was this that footballer Colin Hendry's wife had and she's ended up having 6 weeks in a coma and needing 20 operations to have it put right. :eek: Is it worth so much to you that you would jeopardise being around for your children?

I don't want to sound unsupportive, but you're 22 with a life ahead of you. Why risk that for a tummy tuck and years of debt paying for it when you should be enjoying being a Mum?

My figure is not perfect by any means, I used to be superfit and at the gym twice a day. I'm not like that anymore and have more of a stomach than I'd like, but I cna't imagine wanting the debt, pain and risks associated with this, even less so if I had children to look after and love.

ive spoke to quite a few people about it, including my doctor, and my family, and people who have had it, and everyone is supportive. i wouldnt dare show pics, but its horrid, and it really depresses me.

so i need to get better at keeping up payments thanks

Errata

Sart saving for it and use that time to properly research how your life will have to be lived after you've had it done and what follow up procedures will be needed and how often.

bathgatebuyer

claire6hy wrote: »

wouldnt dare show pics, but its horrid, and it really depresses me.

I could show you some serious belly photos! I know exactly how depression feels, and with me a large part of it is down to the way I look, so I can understand the desire to pay to get yourself a quick fix.

Errata gives great advice - make sure you know what the implications are. Does it impact upon your ability to bear children in the future if you've had such surgery?

welf_man

Claire, if your doctor agrees you are depressed (in the medical sense of the term) and is supportive, s/he can refer you for plastic surgery on the NHS.

This op is going to be worse than a C-section, and you can't drive or pick up your kids for 6 weeks after a section, so is this a realistic idea at this point? I imagine your child is still quite young!

Check out Glycaemic Loading for now - it's made an incredible difference to my stomach!

Mel.