loans

onemark30

I dont understand why i can get 2 credit cards hsbc and creation but not a loan,also no problem getting isme,littlewoods,next,mobile phone,pay4later finance for wheels for my car,new look store card,only 1 missed payment in 2 years of credit history and my equifax score is 440 and experian is 778,experian score is lower because they only show a few of my credit accounts which is annoying because most lenders use them,and a 1000 overdraft aswell.

creditcardhelp11

Who did you apply for a loan with? I imagine you have done a few credit applications (searches) and thus this is why you are refused. ALso your income and debt/credit ratio needs to be taken into consideration. As you are an existing creation customer you could apply for a loan with them you may be more likely accepted? Those scores with credit ref agencies have no meaning so just ignore them.

Apples2

onemark30 wrote: »

I dont understand why i can get 2 credit cards hsbc and creation but not a loan

Maybe because of this

onemark30 wrote: »

,also no problem getting isme,littlewoods,next,mobile phone,pay4later finance for wheels for my car,new look store card,and a 1000 overdraft aswell.

Finance isn't a competition to see who can get the most.

onemark30 wrote: »

only 1 missed payment in 2 years of credit history

You do realise "only" is not a good thing??

onemark30 wrote: »

and my equifax score is 440 and experian is 778,experian score is lower because they only show a few of my credit accounts which is annoying because most lenders use them

These silly random numbers are pointless.

DCFC79

Apples2 wrote: »

Maybe because of this
Finance isn't a competition to see who can get the most. You do realise "only" is not a good thing??These silly random numbers are pointless.

You must have missed the lesson it was a competition between the inhabitants of the country to see who can get the most finance in a set period of time.

onemark30

competition:rotfl::rotfl::rotfl:

Firefox1975

I think i nearly won this competition 8 or 9 years ago.:rotfl:

However, i paid all mine back with no IVA or deals etc.

I am not proud.

but i am happy not to owe anyone anything anymore.

Seriously, OP, 2 really important things :-

1) stop borrowing money.

and no. 2) stop borrowing money.

(yes, its the same thing but it's such a belter I had to say it twice!)

KingElvis

You can't get a loan because you're overloaded with all that other shizzle..........number of accounts and available credit are a big part in the decision process.

onemark30

Firefox1975 wrote: »

I think i nearly won this competition 8 or 9 years ago.:rotfl:

However, i paid all mine back with no IVA or deals etc.

I am not proud.

but i am happy not to owe anyone anything anymore.

Seriously, OP, 2 really important things :-

1) stop borrowing money.

and no. 2) stop borrowing money.

(yes, its the same thing but it's such a belter I had to say it twice!)

I now have even more active credit accounts :T 5 credit cards,:T 3 moneyway(pay4later) accounts :T littlewoods 2900 limit,isme 2500 limit,very 1000 limit,next 2000 limit,new look 125 limit lol,jacamo 400 limit and no I am not xxxxl,4 three mobile phone accounts though 2 are just sims for my nephews,1000 overdraft limit with not telling you:rotfl:and if needs be 4 different pay day lenders who keep pestering me to borrow money :rotfl:I seem to be addicted to those green boxes and ticks and ok,s as I subscribe to all 3, been busy since I last posted going to give myself a huge:T

tell_it_how_it_is

Nice to see someone clearly so happy to give hundreds of pounds of their own money away to these companies each year. Even if it's a little bit insane!

opinions4u

The savings account is a brilliant invention.

Put money in it and, every now and then when you need o buy something, borrow from it.

That way nobody charges you interest, balance transfer fees or reports a missed payment every couple of years on your credit file.

onemark30

+447895613969 had a message from this number on about a new debt plan and what was also said could only have come from here with he word green used well I do not know how you got my mobile number but my message is get lost I pay my bills, just because you could not and had to enter into some sort of plan with your creditors is your fault do not send me anymore text messages