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excellent credit rating wht cant i get credit
vicky-wicky
Posts: 8 Forumite
in Loans
I have excellent credit rating 999 but everywhere i apply im always declined?
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Comments
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Unfortunately the credit 'score' means very little.
You need to look at your actual report, the amount of credit you have, are you on the electoral register, etc.0 -
o right yeh im on the electrol role and ive got a credit card and mobile contract everything is upto date. Im always in my overdraft will that affect it and also its shows me as financial connections with my mum but i havent replied for things with her.0
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vicky-wicky wrote: »o right yeh im on the electrol role and ive got a credit card and mobile contract everything is upto date. Im always in my overdraft will that affect it and also its shows me as financial connections with my mum but i havent replied for things with her.
Being in your overdraft won't be a problem.
Why are you associated with your mother?
You must have either a joint account or have applied in both names at some stage?
How is your mother's credit file?Don't lie, thieve, cheat or steal. The Government do not like the competition.
The Lord Giveth and the Government Taketh Away.
I'm sorry, I don't apologise. That's just the way I am. Homer (Simpson)0 -
i dont no why we are associated its strange because there is nothing we applied for together and on her credit file my name only comes up once. her credit is average. will hers affect me?0
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What's your income/household circumstances? How much is your overdraft? What are you applying for?
How many times have you applied and been declined? Repeated searches will be going against you too if in too short a space of time.Total 'Failed Business' Debt £29,043
Que sera, sera.
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It will also depend on what you are applying for, how much you are looking to borrow, what kind of job you have, how long you have worked there for and what you earn."One day I realised that when you are lying in your grave, it's no good saying, "I was too shy, too frightened."
Because by then you've blown your chances. That's it."0 -
£500 my overdraft. my dad was made bankrupt 2 and half years ago im applying for finance for a car i applied finance tday0
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Are you financially linked to him in any way?Total 'Failed Business' Debt £29,043
Que sera, sera.
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no not with my dad im not. Im a health care assistant reasonable wage leave with my parents so dont really have any outgoings just my credit card and mobile contract im looking to borrow about 80000
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is your mum financially linked to him? I'm just thinking if he's bankrupt, but has a financial link to your mum which would show on her credit file, and she's financially linked to you, that your dad's bankruptcy might have an indirect affect..Total 'Failed Business' Debt £29,043
Que sera, sera.
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