Avoid 'Credit Expert' and Aspire Money

TaxAvoider

Interesting news, I have just signed up for the "free" 30-day trial and have my credit report online now, even though I have a Bankruptcy still on there, discharged in 2008, my "score" was 745/fair. I had a look at the extra offers on there, I hope I have not been charged !!! I checked out AQUA credit card but was refused, then I clicked on Aspire and someone phoned me back within minutes !!! not spoken to them yet.

I will have a read around here regarding Loans and also on the BR/Living with it section, tbh I really could do with a loan as I want to do some Training and can comfortable afford a smallish payment over 3 years which would help rebuild my credit surely for when my BR drops off the report in 2 years time.

agrinnall

TaxAvoider wrote: »

Interesting news, I have just signed up for the "free" 30-day trial and have my credit report online now, even though I have a Bankruptcy still on there, discharged in 2008, my "score" was 745/fair. I had a look at the extra offers on there, I hope I have not been charged !!! I checked out AQUA credit card but was refused, then I clicked on Aspire and someone phoned me back within minutes !!! not spoken to them yet.

I will have a read around here regarding Loans and also on the BR/Living with it section, tbh I really could do with a loan as I want to do some Training and can comfortable afford a smallish payment over 3 years which would help rebuild my credit surely for when my BR drops off the report in 2 years time.

Two things:

a) Why have you dragged up a year old thread?

b) Having done so why didn't you pay any attention to the many comments about the utter worthlessness of the credit score that you've been given?

bw7the1

CAn anyone help???

On credit expert I have a Credit Rating of Poor....

The rating confused me as I have not missed any payments in the last year, am on the electoral role at my address and have a decent credit history.

How reliable is this credit rating?? I need to buy a car on finance but do not want to apply with a rating of poor.

please help!

bw7the1

CAn anyone help please?

I joined Credit expert a year ago as a way of monitoring my finances.

My most recent credit score is gauged as Poor which I find remarkable as in the little box next to my score is a sentence that says "no negative factors affecting your score"

I have no missed payments and a good history, certainly not anonymous to credit. The thing is I want to get car finance but do not want to apply with a 'Poor' Rating as stated by credot expert. can anyone give me some advice please???

Peelerfart

Are you guys havin a giraffe here?

DCFC79

bw7the1 wrote: »

CAn anyone help please?

I joined Credit expert a year ago as a way of monitoring my finances.

My most recent credit score is gauged as Poor which I find remarkable as in the little box next to my score is a sentence that says "no negative factors affecting your score"

I have no missed payments and a good history, certainly not anonymous to credit. The thing is I want to get car finance but do not want to apply with a 'Poor' Rating as stated by credot expert. can anyone give me some advice please???

you have posted 2 replies to the thread 1 after another :huh:

TaxAvoider

Some people need to take a chill pill

I "dragged up" this thread AFTER I had come across the organisation "ASPIRE"

I have taken note of the helpful comments regarding my Credit Score

Useful to have more current info here for anyone googling "ASPIRE" imho

Peelerfart

Well well I've finally encountered someone who's post count matches their IQ.