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Getting a loan and her credit history.
My mum want's to get a small loan of around 1k but she can't get it. She has been declined for everything she applies for. However she has been accepted for wonga, when she has applied. (Started to apply this year)
She hasn't been able to get credit for around 6 years. I guess not surprising really as she has a 1 - 5 credit rating score from callcredit along with a credit score of around 395.
I'll post her full credit history based on what i can see from callcredit for you nosy perkers to look at.
She earns around 800/pm after tax.
Based on what you seen below, what do you think and is there anything she can do to improve it? She's finding it hard to pay some of them. She also has a few unsecured loans ranging from 50 - 150 which has all been settled
Credit history as follows:
Number of Financial Accounts:28
Number of Defaults in Last 36 Months:11
Number of BAI’s: 0
Number of Active County Court Judgements:1
Number of Satisfied Count Court Judgements:0
This has been her most up-to-date electrol roll history
Electoral Roll
Name: -
Address: -
Dates:28/10/2006 to 28/10/2008
CREDIT
Provider:Barclaycard
Account Type:Credit Card
Account Number:************2000
Account Status: Default
Date Updated:31/05/2011
Account Start Date:01/09/1999
Account Opening Balance:--
Repayment Frequency:Monthly
Default Date:28/01/2010
Provider:S&U
Account Type:Home Credit
Account Number:***3482
Account Status: Default
Date Updated:06/06/2011
Account Start Date:27/10/2005
Account Opening Balance:£381
Repayment Frequency:Weekly
Default Date:13/01/2010
Provider:Santander UK plc
Account Type:Current Account
Account Number:**********1509
Account Status: Default
Date Updated:14/05/2011
Account Start Date:28/03/2001
Account Opening Balance:£0
Repayment Frequency:Monthly
Default Date:18/09/2009
Provider:Marks and Spencer
Account Type:Budget Account
Account Number:************2090
Account Status: Default
Date Updated:31/05/2011
Account Start Date:05/07/1999
Account Opening Balance:£1547
Repayment Frequency:Monthly
Default Date:25/05/2009
Provider:Santander UK plc
Account Type:Current Account
Account Number:**********8865
Account Status: Default
Date Updated:14/05/2011
Account Start Date:26/11/2007
Account Opening Balance:£0
Repayment Frequency:Monthly
Default Date:15/05/2009
Provider:CL Finance
Account Type:Bank
Account Number:************8596
Account Status: Default
Date Updated:21/05/2011
Account Start Date:
Account Opening Balance:£509
Repayment Frequency:Monthly
Default Date:12/07/2007
Provider:Aktiv Kapital
Account Type:Bank
Account Number:************0734
Account Status: Default
Date Updated:28/05/2011
Account Start Date:20/06/2002
Account Opening Balance:£1188
Repayment Frequency:Monthly
Default Date:03/05/2006
Provider:Arrow Global Ltd
Account Type:Telecommunications Supplier
Account Number:***8302
Account Status: Default
Date Updated:01/06/2011
Account Start Date:11/10/2005
Account Opening Balance:£481
Repayment Frequency:Monthly
Default Date:21/03/2006
Provider:Aktiv Kapital
Account Type:Credit Card
Account Number:************8893
Account Status: Default
Date Updated:28/05/2011
Account Start Date:29/05/2002
Account Opening Balance:£632
Repayment Frequency:Monthly
Default Date:16/11/2005
Provider:Aktiv Kapital
Account Type:Credit Card
Account Number:************1802
Account Status: Default
Date Updated:28/05/2011
Account Start Date:12/11/2001
Account Opening Balance:£613
Repayment Frequency:Monthly
Default Date:03/11/2005
Redcats (Brands) Ltd trading as The Store
Account Type:Mail Order
Account Number:*******6 J
Account Status: Default
Date Updated:15/05/2011
Account Start Date:01/05/2002
Account Opening Balance:--
Repayment Frequency:Monthly
Default Date:29/10/2005
Provider:S&U
Account Type:Home Credit
Account Number:***6843
Account Status: Delinquent
Date Updated:06/06/2011
Account Start Date:20/06/2007
Account Opening Balance:£640
Regular Payment Amount:£86
Repayment Frequency:Fortnightly
Delinquency Date:06/04/2011
Delinquency Balance:640
Provider:JD WILLIAMS & CO LTD-FIFTY PLUS
Account Type:Mail Order
Account Number:**************4FPS
Account Status: Delinquent
Date Updated:20/05/2011
Account Start Date:18/08/1994
Account Opening Balance:£447
Regular Payment Amount:£6
Repayment Frequency:Monthly
Delinquency Date:20/12/2010
Delinquency Balance:1084
Provider:Barclaycard
Account Type:Credit Card
Account Number:************1227
Account Status: Normal
Date Updated:31/05/2011
Account Start Date:14/04/2004
Account Opening Balance:--
Repayment Frequency:Monthly
Provider:HALIFAX PLC
Account Type:Current Account
Account Number:***********0- 4
Account Status: Normal
Date Updated:01/06/2011
Account Start Date:23/10/2010
Account Opening Balance:£0
Repayment Frequency:Monthly
Provider:Quickbridge
Account Type:Advance Against Income
Account Number:********6873
Account Status: Settled
Date Updated:01/04/2011
Account Start Date:26/03/2011
Account End Date:08/04/2011
Account Opening Balance:£50
Regular Payment Amount:£58
Repayment Frequency:Monthly
Provider:London Scottish Bank plc
Account Type:Home Credit
Account Number:******0591
Account Status: Settled
Date Updated:22/08/2008
Account Start Date:26/06/2007
Account End Date:25/07/2008
Account Opening Balance:£260
Regular Payment Amount:£43
Repayment Frequency:Monthly
Provider:Marks and Spencer
Account Type:Budget Account
Account Number:************4667
Account Status: Settled
Date Updated:31/05/2008
Account Start Date:05/07/1999
Account End Date:14/05/2008
Account Opening Balance:£1379
Regular Payment Amount:£48
Repayment Frequency:Monthly
Provider:London Scottish Bank plc
Account Type:Unsecured Loan
Account Number:******3750
Account Status: Settled
Date Updated:15/08/2007
Account Start Date:02/04/2007
Account End Date:27/06/2007
Account Opening Balance:£132
Regular Payment Amount:£27
Repayment Frequency:Monthly
Provider:BANK OF SCOTLAND
Account Type:Unsecured Loan
Account Number:************0296
Account Status: Settled
Date Updated:30/12/2005
Account Start Date:11/01/2002
Account End Date:30/12/2005
Account Opening Balance:--
Regular Payment Amount:£114
Repayment Frequency:Monthly
Provider:Raphaels Bank
Account Type:Credit Card
Account Number:************7817
Account Status: Normal
Date Updated:30/04/2011
Account Start Date:26/04/2001
Account Opening Balance:£699
Repayment Frequency:Monthly
Amount:£246
Case Number:6XD08711
Judgment Date:10/11/2006
Court:NORTHAMPTON
Status (Active/Satisfied):Active
Date Satisfied: --
She hasn't been able to get credit for around 6 years. I guess not surprising really as she has a 1 - 5 credit rating score from callcredit along with a credit score of around 395.
I'll post her full credit history based on what i can see from callcredit for you nosy perkers to look at.
She earns around 800/pm after tax.
Based on what you seen below, what do you think and is there anything she can do to improve it? She's finding it hard to pay some of them. She also has a few unsecured loans ranging from 50 - 150 which has all been settled
Credit history as follows:
Number of Financial Accounts:28
Number of Defaults in Last 36 Months:11
Number of BAI’s: 0
Number of Active County Court Judgements:1
Number of Satisfied Count Court Judgements:0
This has been her most up-to-date electrol roll history
Electoral Roll
Name: -
Address: -
Dates:28/10/2006 to 28/10/2008
CREDIT
Provider:Barclaycard
Account Type:Credit Card
Account Number:************2000
Account Status: Default
Date Updated:31/05/2011
Account Start Date:01/09/1999
Account Opening Balance:--
Repayment Frequency:Monthly
Default Date:28/01/2010
Provider:S&U
Account Type:Home Credit
Account Number:***3482
Account Status: Default
Date Updated:06/06/2011
Account Start Date:27/10/2005
Account Opening Balance:£381
Repayment Frequency:Weekly
Default Date:13/01/2010
Provider:Santander UK plc
Account Type:Current Account
Account Number:**********1509
Account Status: Default
Date Updated:14/05/2011
Account Start Date:28/03/2001
Account Opening Balance:£0
Repayment Frequency:Monthly
Default Date:18/09/2009
Provider:Marks and Spencer
Account Type:Budget Account
Account Number:************2090
Account Status: Default
Date Updated:31/05/2011
Account Start Date:05/07/1999
Account Opening Balance:£1547
Repayment Frequency:Monthly
Default Date:25/05/2009
Provider:Santander UK plc
Account Type:Current Account
Account Number:**********8865
Account Status: Default
Date Updated:14/05/2011
Account Start Date:26/11/2007
Account Opening Balance:£0
Repayment Frequency:Monthly
Default Date:15/05/2009
Provider:CL Finance
Account Type:Bank
Account Number:************8596
Account Status: Default
Date Updated:21/05/2011
Account Start Date:
Account Opening Balance:£509
Repayment Frequency:Monthly
Default Date:12/07/2007
Provider:Aktiv Kapital
Account Type:Bank
Account Number:************0734
Account Status: Default
Date Updated:28/05/2011
Account Start Date:20/06/2002
Account Opening Balance:£1188
Repayment Frequency:Monthly
Default Date:03/05/2006
Provider:Arrow Global Ltd
Account Type:Telecommunications Supplier
Account Number:***8302
Account Status: Default
Date Updated:01/06/2011
Account Start Date:11/10/2005
Account Opening Balance:£481
Repayment Frequency:Monthly
Default Date:21/03/2006
Provider:Aktiv Kapital
Account Type:Credit Card
Account Number:************8893
Account Status: Default
Date Updated:28/05/2011
Account Start Date:29/05/2002
Account Opening Balance:£632
Repayment Frequency:Monthly
Default Date:16/11/2005
Provider:Aktiv Kapital
Account Type:Credit Card
Account Number:************1802
Account Status: Default
Date Updated:28/05/2011
Account Start Date:12/11/2001
Account Opening Balance:£613
Repayment Frequency:Monthly
Default Date:03/11/2005
Redcats (Brands) Ltd trading as The Store
Account Type:Mail Order
Account Number:*******6 J
Account Status: Default
Date Updated:15/05/2011
Account Start Date:01/05/2002
Account Opening Balance:--
Repayment Frequency:Monthly
Default Date:29/10/2005
Provider:S&U
Account Type:Home Credit
Account Number:***6843
Account Status: Delinquent
Date Updated:06/06/2011
Account Start Date:20/06/2007
Account Opening Balance:£640
Regular Payment Amount:£86
Repayment Frequency:Fortnightly
Delinquency Date:06/04/2011
Delinquency Balance:640
Provider:JD WILLIAMS & CO LTD-FIFTY PLUS
Account Type:Mail Order
Account Number:**************4FPS
Account Status: Delinquent
Date Updated:20/05/2011
Account Start Date:18/08/1994
Account Opening Balance:£447
Regular Payment Amount:£6
Repayment Frequency:Monthly
Delinquency Date:20/12/2010
Delinquency Balance:1084
Provider:Barclaycard
Account Type:Credit Card
Account Number:************1227
Account Status: Normal
Date Updated:31/05/2011
Account Start Date:14/04/2004
Account Opening Balance:--
Repayment Frequency:Monthly
Provider:HALIFAX PLC
Account Type:Current Account
Account Number:***********0- 4
Account Status: Normal
Date Updated:01/06/2011
Account Start Date:23/10/2010
Account Opening Balance:£0
Repayment Frequency:Monthly
Provider:Quickbridge
Account Type:Advance Against Income
Account Number:********6873
Account Status: Settled
Date Updated:01/04/2011
Account Start Date:26/03/2011
Account End Date:08/04/2011
Account Opening Balance:£50
Regular Payment Amount:£58
Repayment Frequency:Monthly
Provider:London Scottish Bank plc
Account Type:Home Credit
Account Number:******0591
Account Status: Settled
Date Updated:22/08/2008
Account Start Date:26/06/2007
Account End Date:25/07/2008
Account Opening Balance:£260
Regular Payment Amount:£43
Repayment Frequency:Monthly
Provider:Marks and Spencer
Account Type:Budget Account
Account Number:************4667
Account Status: Settled
Date Updated:31/05/2008
Account Start Date:05/07/1999
Account End Date:14/05/2008
Account Opening Balance:£1379
Regular Payment Amount:£48
Repayment Frequency:Monthly
Provider:London Scottish Bank plc
Account Type:Unsecured Loan
Account Number:******3750
Account Status: Settled
Date Updated:15/08/2007
Account Start Date:02/04/2007
Account End Date:27/06/2007
Account Opening Balance:£132
Regular Payment Amount:£27
Repayment Frequency:Monthly
Provider:BANK OF SCOTLAND
Account Type:Unsecured Loan
Account Number:************0296
Account Status: Settled
Date Updated:30/12/2005
Account Start Date:11/01/2002
Account End Date:30/12/2005
Account Opening Balance:--
Regular Payment Amount:£114
Repayment Frequency:Monthly
Provider:Raphaels Bank
Account Type:Credit Card
Account Number:************7817
Account Status: Normal
Date Updated:30/04/2011
Account Start Date:26/04/2001
Account Opening Balance:£699
Repayment Frequency:Monthly
Amount:£246
Case Number:6XD08711
Judgment Date:10/11/2006
Court:NORTHAMPTON
Status (Active/Satisfied):Active
Date Satisfied: --
0
Comments
-
Blimey, I would say her chances ar 0.0%....but there only a 50% chance of that.
Those defaults will kill any chances deader than dead thing that was already dead."We want the finest wines available to humanity, we want them here, and we want them now!"0 -
Are those her personal details in the 11th account? If so I would suggest you edit your post and delete them and possibly the CCJ case number etc.A smile enriches those who receive without making poorer those who giveor "It costs nowt to be nice"0
-
Oh dear, Vanquis might even say no haha. Sorry op no chance with that credit historyCan I find out my credit score?You do not have a single credit score or rating. Different organisations take different information into account when working out your credit score and may have different scores for different products. (Kindly from Experian)0
-
KirbyBirch wrote: »Oh dear, Vanquis might even say no haha. Sorry op no chance with that credit history
She already applied twice last year, and got rejected.
0 -
Time to think of a new plan, a loan isn't coming (even to consolidate).
What is the £1k for? look for alternatives.0 -
Has she considered speaking to one of the debt advice charities and perhaps considering somethng like a DMP to work on paying off these debts? Obviously her credit file is already trashed and if she went for a DMP they would help her set a budget to pay off these debts whilst still being able to afford reasonable basic living costs etc - so should mean she wouldn't need to be taking out very expensive credit such as payday loans.
(although on a DMP she would have to agree to no further credit so couldn't take out payday loans or any other borrowing until her debts were repaid).A smile enriches those who receive without making poorer those who giveor "It costs nowt to be nice"0 -
No Offence Jazpaz but I hope your mother NEVER gets a loan!
she has defaulted on so many and obviously cant afford a loan. The Wonga loan is only going to get her in more difficulty as the rates will be extortionate!
Im part sad for your family and part angry at the cheek of her applying for another loan.
I hope she soon sorts her financial affairs out, and judging from your previous posts, I know you're very young and don't want to sound patronizing, but DO NOT follow her course! Live within your means and buy only what you can afford. Live within your means and your life will be so much easier.
S0 -
I only looked at first part of report - number of defaults in last 36 months - 11!!!
She has no chance of getting a loan.0
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