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Experian score of 711 and want a £10,000 loan, where?
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I want to consolidate a graduate loan, car loan an a cc balance to the total of 10,000 over 5 years. My Experian score is 711 (poor) due to 2 refered debts from 2001 which i have since paid off.
I have never missed any CC or loan payments since 2001
Which loan would you reccomend going for? i aplyed to CoOp last year and got rejected. So which is the lowest rate loan i am 'eligable' for?
Many thanks for any advice offered
I have never missed any CC or loan payments since 2001
Which loan would you reccomend going for? i aplyed to CoOp last year and got rejected. So which is the lowest rate loan i am 'eligable' for?
Many thanks for any advice offered
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Comments
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https://www.moneysupermarket.com allows you to get loan quotes whereby your CRA report with equifax is checked at the same time -but according to the blurb no footprints or record will be left on your CRA report might be a way to find out what lender would accept you - never tried it so can't say how reliable it will be.0
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Hi, do a search under 'consolidation' on the debt free wanabee board.
Its not always the best option.
Look into it carefully before taking the plunge :0Debt at highest £16k+
Debt at lightbulb moment £14,800
Current debt £6336
Cleared £4206 in November 05 How ? Bye Bye PPI
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What are your APRs, limits and balances on your various loans?2014 Target;
To overpay CC by £1,000.
Overpayment to date : £310
2nd Purse Challenge:
£15.88 saved to date0 -
Well i have an APR of 7.9 on a Natwest Graduate loan, but the payment cover charge is a joke, something like £2000 on a £7000 loan over 5 years. Liverpool Victoria is 12.9 over 2 1/2 years £2500 loan and my CC is at £1100 with a £1600 limmit.
If i could just get my 2 deferals of my record i would have an excellent score. They were defered in 2001 and paid off in 2004, when can i expect this millstone to be removed from around my neck???0 -
shibuya wrote:If i could just get my 2 deferals of my record i would have an excellent score. They were defered in 2001 and paid off in 2004, when can i expect this millstone to be removed from around my neck???
I think it will be 2010......Aiming to be debt free....but still off target0 -
vwman wrote:I think it will be 2010......
You are incorrect. They will be removed in 2007.0 -
CIMA_LOVER wrote:You are incorrect. They will be removed in 2007.
Thanks for putting me right......... LolAiming to be debt free....but still off target0 -
I opened a Premier Direct Current Account with the Alliance & Leicester in February and Applied for a £10,000 loan in April with them with a Credit Score of just over 700 like your's.
They accepted it and gave me a rate of 8.1% in the end instead of the 6.1% that I applied for.0
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