Err?

saulhudson

Not sure this is really the right thread for my question but anyway here goes.

I have recently got divorced from my wife, she was running up all kinds of debts, (None in my name) and even after financially disassociating myself from her, still came in with a 'low' credit rating when I applied for a mortgage, whilst still getting the mortgage ok this bothered me.

I have just recently done a credit check with Experian and it has come in at 960 putting me in the 'good' category, I have only recently moved into my own home but am considering a small loan of £4000.00 for a new car, I am concerned about how my score may appear does anyone have any advice as to how to make sure my credit score improves, and or any good loan providers?

Tixy

Don't worry about what score any of the CRAs give you, it won't ever be seen by anyone but you, no potential lender would know or use that figure.
You instead need to consider what is on your credit report and if you can make any changes to that that would increase your chances of acceptance - this article may be helpful - http://www.moneysavingexpert.com/loans/credit-rating-credit-score

Best place for a new loan is often your own bank.

JasX

'score's are meaningless. you are looking in completly the wrong place / have no idea how credit checks work if you're paying any attention to them. look at the detail on your credit file, any lat payments? defaults? are you on the electoral role at your new / CURRENT address. are you financially disassociated with your ex. etc etc.

the years at current address will also count slightly against you for a short while

saulhudson

JasX wrote: »

'score's are meaningless. you are looking in completly the wrong place / have no idea how credit checks work if you're paying any attention to them. look at the detail on your credit file, any lat payments? defaults? are you on the electoral role at your new / CURRENT address. are you financially disassociated with your ex. etc etc.

the years at current address will also count slightly against you for a short while

I have never defaulted, never been late or missed payments, am financially dissasociated from my wife, and yes...I am aware that my short length of time at my new address may count against me.