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halifax existing customer loans
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Thanks! I am not desperate for the loan at the moment, just considering it for consolidation but would only bother if it was a really good rate. I think I will wait a while and keep checking the calculator to see if the rate comes down. I had a spell last year with late payments to other lenders that I think impacted on my credit rating, but it should be improving all the time so am hoping the loan rate offered will also improve! I have a current account and mortgage with them, and also got a pre-approved credit card from halifax earlier this year so was hoping for a decent loan rate. Don't want to apply and leave credit search footprint if the rate is going to be poor so that I don't even take up the loan, would rather wait a while I think...0
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The APR offered on the calculator whilst logged in is now linked to your internal risk band.Can 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
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Saints2011 wrote: »The APR offered on the calculator whilst logged in is now linked to your internal risk band.
Thanks, that's what I thought. Good thing really as saves me making a wasted application.0 -
mrstiggywinkle wrote: »Thanks, that's what I thought. Good thing really as saves me making a wasted application.
No prob
Can 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 -
the actual rate offered can change upon a full application. Normally down a bit but 95% of the time that rate is pretty accurate0
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is it me or does it now only take you to the online loan application, two days ago it gave me rates?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.0
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if you goto the website and click existing customer loans and sign in it tells you.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.0
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