refused loan need one guaranteed

davied

I have excellent credit scores have seen my files thought i would have no prob getting a loan tried 2 different companies northern rock and direct line both refused. Checked my credit score and has dropped dramatically, I really need this loan for personal reasons and am getting worried i will never get one dont want to keep applying cause will just keep getting refused.

Anyone know of a company or soomeone who can guarantee me a loan im too scared of applying for any more loans. :eek:

Just want to know that i will be granted a loan somehow before applying if you know what i mean

Anyway any thoughts will be tremendous

waterbaby

Any company is going to want to know that you are in a position to afford repayments, and that you will pay them reliably. I have no special knowledge, but I can't imagine who would guarantee to lend you money without seeing your existing debts and your payment history, and checking who you are. Would you guarantee to lend money to a stranger without investigating their circumstances?

I hope you manage to sort it out though. Good luck.

grumbler

I am not an expert, so I quote Martin:

Get quotes without applying. There is a distinction between a 'credit enquiry' and a 'full credit check'. The latter goes on your file, the first doesn't, so if you just want a quote, get one, but ensure you ask what type of checks will be made.

(See Credit Rating link in the blue box above)