HELP!!!!!!! Refused credit/loan

Sunshine23_2

Hi there,

I am in debt but earn a good wage so can pay the bills but recently looked into consolidating the debt and visted some bank sites to use the online calculators to my suprise I could save £450 a month so I applied but got declined. I have got declined for credit cards in the past also I guess down to a poor credit score.

What I can't understand is that I can pay the amount they are stating as I currently pay around £450 a more a month in bills no problem so in that sense im a not a "problem" customer.

Any ideas what I can do. I know trying to improve your credit rating takes months or years and I would like to get this sorted in weeks to save that extra cash per month.

Really hope you can help!!

chilli_dog

there is not a lot you can do really, no one has a right to credit.

was it an unsecured loan?

maybe pop over to the debt free wannabe board and put your info on there and you can get help paying your debts in the best order to get them down.

Are they loans and credit cards?

CLAPTON

you have of course obtained your credit records..what do they say

Extant

Do you pay all of your bills out of your current account?

If you do, go to your bank and apply for a loan with them. If they decline, ask to appeal on the grounds that it's debt consolidation and you can evidence re-payment through their own systems.