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never-in-doubt

Kazipoo wrote: »

Don't know how true it is, but I was told that companies may prefer people that may have trouble paying because ultimately they can make more money from them... you might be too good lol.

Lol, its a myth - lenders risk assess everything nowadays and will not lend to people that appear to be overstretched (most CRA's provide an indebtness guide as part of their credit data to help the lender decide if you can afford the product)..... regards to the experian scores, these mean nothing in the grand scheme of things and should really be ignored due to giving people inaccurate beliefs about their 'credit-worthiness'.

However, back to the point in hand, lenders don't weed out the risks and lend to them - if you pass their qualifying criteria (generally referred to as credit score) then you'll usually be accepted so long as your credit file doesn't show any adverse that would affect the overall credit decision combined with the credit score.