what are my options

blacksta

I have been self employed since 2004 with a fairly good credit score (900 from experian). I would like to know my chances of getting approved for credit card or loan based on my employment status - or which lenders should i be approaching

Thanks

CannyJock

blacksta wrote: »

I have been self employed since 2004 with a fairly good credit score (900 from experian). I would like to know my chances of getting approved for credit card or loan based on my employment status - or which lenders should i be approaching

Thanks

No reason to be refused just because you're self-employed.

There are a load of other factors involved (see the guide under "Credit Ratings" at the top of the forum) like your disposable income, which is one of the things your Experian made-up-number doesn't include.

If in doubt, apply for one with your own bank where you can appeal any decline and where they've got at least a bit of background info on how you've operated your account with them.

Jemma-T

CannyJock wrote: »

No reason to be refused just because you're self-employed..

Indeed, and no reason to be accepted because you use Experian or any of the other scam 'agencies'.

You'll know yourself (get a pen and paper) if people will want to give you credit. If unsure then apply for some.