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700+ credit score and loans?!?

tapo39
tapo39 Posts: 14 Forumite
in Loans
hi, ive just got my credit score an its 733, im looking to get a loan to pay off small debts, settle a providental loan and home improvements. all previous debt has been settled, with a phone contract and credit card (upto date) the only ones ongoing!

does anybody know any good loan companys that ill get a good rate if possible and not get knocked back?!

thanks for your help

Comments

  • Apples2
    Apples2 Posts: 6,442 Forumite
    Score means nothing.

    You have to list a while host of more info than that.
    You haven't even said how much you need.
  • tapo39
    tapo39 Posts: 14 Forumite
    oh, ok!
    after between 5k -7.5k over 4-5 years
    had no defaults in past 6 months
    been in are home over a year now (private rented)
    in full time employment 13500 a year!

    only down side is my husbands credit is poor! dont no how much this will effect me?

    the reason for not jumping straight in an applying for a loan is to find out who is best and no to damage my credit by getting knocked back!
  • tapo39
    tapo39 Posts: 14 Forumite
    will be using about 4k-5k on husbands debts.
    had a lot of defaults about 2 years ago, but settled all accounts then!
    i have no ccj's
  • tapo39
    tapo39 Posts: 14 Forumite
    edited 8 September 2011 at 5:22PM
    the only downside on my credit report it that im under 25! (24)

    and i applied for an account with littlewoods in july when ordering, got declined.
  • chanz4
    chanz4 Posts: 11,057 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    you had defaults 2 eyars ago? if so no one
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
  • Apples2
    Apples2 Posts: 6,442 Forumite
    Defaults will remain visible for 6yrs.
    That alone will turn away all the decent lenders.

    Your only option will be your own bank who can see how you manage your money.
  • tapo39
    tapo39 Posts: 14 Forumite
    yer i think it was 2009, got finished up in work overdrawn with bank and phone contract and a credit card! settled and closed them after finding work that year.
  • tapo39
    tapo39 Posts: 14 Forumite
    ok thanks i'll try them for a loan!

    thanks for you help!
  • tapo39
    tapo39 Posts: 14 Forumite
    just tried and got declined :(
This discussion has been closed.
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