Trying to get a loan

Redclio1

Hi all, I am trying to get a loan, but i want to know of the companies that just use experian. I have managed to get my credit rating to good on there system which is now 988 scoring, but equifax have a discrepancy with my address on there system, I am in the process of sorting it out. But i need the loan for a car.

Can anyone help me?

Si

dacdesigns

My score with experian is 912 and I have been refused 3 loans, one being from my bank who said I was pre-approved for 7k. Although I have now found out that all three (natwest, tesco & sainsburys) are part of the same group :mad: and dont just use experian on its own.

I have just applied with santander as I think they only use experian, I think

wayne99

credit scores mean nothing, they are a random generated number that you pay a fee for so pay not attention to them and if you are paying a monthly fee to see a number that means nothing i suggest you cancel.

every lender has different lending criteria, so your credit score doesnt even come into the equation.

You need to make sure first that you are on the electrol role at your current address.

then have a read of this article:

http://forums.moneysavingexpert.com/showthread.html?t=1077785&highlight=new+to+credit

http://www.moneysavingexpert.com/loans/credit-rating-credit-score

this will tell you everything you need to know.

thanks

wayne.