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loans for poor credit

mcrock
mcrock Posts: 21 Forumite
so can anyone recommend a loan company for someone with a poor credit rating please ???

Comments

  • Fiddlestick
    Fiddlestick Posts: 2,339 Forumite
    mcrock wrote: »
    so can anyone recommend a loan company for someone with a poor credit rating please ???

    How poor is "poor"?

    How much are you looking to borrow?

    What sort of rate and term did you have in mind?

    What is your income?
  • mcrock
    mcrock Posts: 21 Forumite
    my score is 670, i want £3k over 5 yrs and earn just under £20k
  • Enfieldian
    Enfieldian Posts: 2,893 Forumite
    Part of the Furniture Combo Breaker
    Yore score is irrelevant, don't bother wasting any more money on it as all lenders have their own criteria.

    What makes your credit record poor though? Missed payments, defaults? CCJs?
  • paulmcerlean
    paulmcerlean Posts: 831 Forumite
    mcrock wrote: »
    my score is 670, i want £3k over 5 yrs and earn just under £20k

    This is a totally irrelevent number that means nothing as to your abilty to get credit in the real world - you've wasted £6 on that. Not a single loan company on this planet will use that score. They make their own gatherd from what you say on your application and also what they get from your credit file.

    Explain poor - missed payments? Defaults? CCJs?

    Who have you already applied to? How much credit do currently have?
  • Enfieldian
    Enfieldian Posts: 2,893 Forumite
    Part of the Furniture Combo Breaker
    Is there an 8 minute delayed echo on this board?
This discussion has been closed.
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