Advice needed on obtaining a loan - unemployed, w/income, excellent credit rating.

toffees

star-fire wrote: »

Do you know something we don't, how do you know you have an excellent credit score??

Because, as I said in my original post, I check my credit rating on a regular basis. I have an account with Credit Expert, which is part of the Experian group. I log on to my account with them every month and I can obtain my exact credit score by paying £4.95. I did this at the beginning of the month. Anyone can do this. You can sign up with Credit Expert for free, the only thing you pay for is a detailed credit score. £4.95 seems like a small amount for such a useful thing. Before this month I hadn't checked my credit score for six months and knew I was on the way to an excellent score.

BugsyBrowne

toffees wrote: »

Because, as I said in my original post, I check my credit rating on a regular basis. I have an account with Credit Expert, which is part of the Experian group. I log on to my account with them every month and I can obtain my exact credit score by paying £4.95. I did this at the beginning of the month. Anyone can do this. You can sign up with Credit Expert for free, the only thing you pay for is a detailed credit score. £4.95 seems like a small amount for such a useful thing. Before this month I hadn't checked my credit score for six months and knew I was on the way to an excellent score.

Unfortunately toffees you payed for a credit score from a company that don't lend money.
You will never ever know your credit score toffees,you could have 100 score with experian or 999 with experian either way the lender you apply for will not give a sh*t what they scored you,and they wouldn't know either.

toffees

star-fire wrote: »

Unfortunately toffees you payed for a credit score from a company that don't lend money.
You will never ever know your credit score toffees,you could have 100 score with experian or 999 with experian either way the lender you apply for will not give a sh*t what they scored you,and they wouldn't know either.

Okay, thank you. I misunderstood the value of the service offered! Ho hum. I thought the whole point of services like the one offered by Credit Expert and Experian was to assist potential borrowers when assessing their credit rating?

BugsyBrowne

toffees wrote: »

Because, as I said in my original post, I check my credit rating on a regular basis. I have an account with Credit Expert, which is part of the Experian group. I log on to my account with them every month and I can obtain my exact credit score by paying £4.95. I did this at the beginning of the month. Anyone can do this. You can sign up with Credit Expert for free, the only thing you pay for is a detailed credit score. £4.95 seems like a small amount for such a useful thing. Before this month I hadn't checked my credit score for six months and knew I was on the way to an excellent score.

Also you have a £4.95 credit builder card and thats your credit history,and you say you have an excellent credit score.:rotfl::rotfl::rotfl:

BugsyBrowne

By the way I am not taking the pi*s toffees as your new to this forum it would be unfair of me to judge you,but you need to take note of some of the answers which were given.

Apples2

toffees wrote: »

. My reply in #3 dealt with the issue of part-time work whilst receiving benefits. Part-time is allowed, but is limited to make sure that people receiving benefits don't end up with piles of extra money coming in from a p/t job. If I earned the money from a part-time job it would take me 3 years to raise what I need.

You seem to back up my comments on every post you make.

You suggest you CAN work and COULD work, but it will risk your benefit money.
You state that if you did go out to work, you could only work a few hours so it will take 3 yrs to make enough to pay for your studies.
If you were to work more hours, then the free ride will stop.

I don't think many people really give a hoot about yours (or anyone elses) studies, what we DO care about, is our Tax Money being dished out to people who simply WON'T work.

What is going to happen after your studies when that dream job doesn't materialise?
Will you take any job to support yourself, or will it be straight back to benefits?

There are thousands of overqualified people trudging through mundane jobs well beneath their abilities and qualifications.


As an aside, I will agree with the rest about throwing our tax payers money at Credit Expert Credit Score is a ridiculous waste of my money, thanks. :cool:

toffees

star-fire wrote: »

Also you have a £4.95 credit builder card and thats your credit history,and you say you have an excellent credit score.:rotfl::rotfl::rotfl:

No, that's the only OUTSTANDING credit account. I've had my fair share of credit accounts in the past and they are all now settled.

Does nobody here ask questions before judging other people?!

toffees

star-fire wrote: »

By the way I am not taking the pi*s toffees as your new to this forum it would be unfair of me to judge you,but you need to take note of some of the answers which were given.

Sorry, have only just seen this response! I posted my last before I read this.

I have taken note. I still think people are jumping the gun a little. I think I asked a reasonable question and based my assumptions about the service offered by Credit Expert on logical premises.

Now I know better.

telboyo

toffees wrote: »

ETA: I do receive DLA but have been putting the "permitted working hours" into studying instead, as part of my long-term plan to return to work. Under the DLA rules yes, I am allowed to work part-time but felt that my time was better spent improving my skills and qualifications. Unless these are improved, I'll be a pretty unattractive employment prospect when I return full-time! Off to do some reading now, back soon.

There are no permitted working hrs on DLA you can work full time on DLA. DLA is there to aid your life and help you work I know people who are in receipt of DLA and have "proper " jobs gained in open competition. The person I am thinking was born with the condition that gave rise to DLA and did not realise that it was an option until she was 43 yrs of age when her disability became too much and she had to re-train as a teacher of English. She only did this after being told that it was time to give up work which she refused to accept.
The DLA came in useful whilst she was at UNI.

toffees

Apples2 wrote: »

You seem to back up my comments on every post you make.

You suggest you CAN work and COULD work, but it will risk your benefit money.
You state that if you did go out to work, you could only work a few hours so it will take 3 yrs to make enough to pay for your studies.
If you were to work more hours, then the free ride will stop.

I don't think many people really give a hoot about yours (or anyone elses) studies, what we DO care about, is our Tax Money being dished out to people who simply WON'T work.

What is going to happen after your studies when that dream job doesn't materialise?
Will you take any job to support yourself, or will it be straight back to benefits?

There are thousands of overqualified people trudging through mundane jobs well beneath their abilities and qualifications.


As an aside, I will agree with the rest about throwing our tax payers money at Credit Expert Credit Score is a ridiculous waste of my money, thanks. :cool:

That's not it at all. I don't think you really want to hear what I am actually saying.

OP is leaving the building. Very few of the people who have replied here seem to have done anything but jump on the "anti-benefits" bandwagon.


I really hope this isn't how you treat everyone who lives differently to you.