Anyone Accepted?!

andys15

lollypop99 wrote: »

Some funny posts on here!! :T

But a few things do need saying, first of all just because people are high earners doesn't mean their credit ratings are going to be perfect, bearing in mind a CCJ will stay with you for 6 years after you've cleared it.

I had a CCJ issued against me 6 years ago when I was earning £10k a year, this has been cleared for 5 years now, and I earn substantially more now and still get refused for credit sometimes.

It seems your friend needs the money for a specific purpose, if he's not entertaining the idea of Debt Management Plans etc.

If it's for a particular product i.e. a car or computer, has he considered seeing if any companies offer HP?

Alternatively on the Experian website, you can view your credit rating & there is a section which offers suggestions of companies willing to lend to you, taking your credit rating into account.

hope this is a bit more help

I dont think it does help. Why waste £5.95 when he knows his credit rating is bad. I can save him money, by telling him credit expert will give him the name of a broker who will charge him £50 plus on the promise of a loan, but will not come to fruition.

lollypop99

personally, that's probably up to the OP to decide.

you're not really wasting any money as long as you've got enough about you to cancel before the end of the free trial, and if broker's are recomended then it would make sense to stay clear...

but I'm sure you'll agree, it's all hypothetical at this point as we have no knowledge of the purpose, but from experiance, it's probably best not to sack off an option on the assumption that it will not work....If everybody did, would this website even exist?!?

andys15

lollypop99 wrote: »

personally, that's probably up to the OP to decide.

you're not really wasting any money as long as you've got enough about you to cancel before the end of the free trial, and if broker's are recomended then it would make sense to stay clear...

but I'm sure you'll agree, it's all hypothetical at this point as we have no knowledge of the purpose, but from experiance, it's probably best not to sack off an option on the assumption that it will not work....If everybody did, would this website even exist?!?

You can view your credit report for free, not your credit rating. Having ccj means you dont need to be a mse to establish the facts that he has a very poor rating. He has no chance.