700+ credit score and loans?!?

tapo39

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

Apples2

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

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

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

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

you had defaults 2 eyars ago? if so no one

Apples2

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

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

ok thanks i'll try them for a loan!

thanks for you help!

tapo39

just tried and got declined