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Bank Loan

samold
samold Posts: 10 Forumite
in Loans
Would I be able to get a bank loan with Barclays ? I am 21 work full time about 45 hours a week but my credit isn't that good I am not even able to get a contract phone at the moment :(. How can I fix my creit history I was in about £300 debt with another bank but that's bieng paid back monthly.

Sam
«1

Comments

  • CLAPTON
    CLAPTON Posts: 41,865 Forumite
    10,000 Posts Combo Breaker
    what do your credit files say
    are you on th electoral roll
    what's your income
    why are you paying the 'other' bank back monthly
  • ~Beanie~
    ~Beanie~ Posts: 3,043 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    How much do you want to borrow and what for? Why Barclays in particular?
    :p
  • samold
    samold Posts: 10 Forumite
    About 1500 an barclays because I have always used them for a current account an it's for a car to get to an back from work.
  • samold
    samold Posts: 10 Forumite
    I get about 1000 - 1100 after tax every month aswell.
  • ~Beanie~
    ~Beanie~ Posts: 3,043 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    You really need to answer the questions that Clapton asked in his post.
    :p
  • samold
    samold Posts: 10 Forumite
    CLAPTON wrote: »
    what do your credit files say
    are you on th electoral roll
    what's your income
    why are you paying the 'other' bank back monthly

    My credit files say I have poor credit my income is anywhere from 1,000 - 1,200 a month I dont know if I am on the electoral roll or not and Im paying them back monthly because I have only had my job for about 3 months an was the only way I could afford do it.
  • DCFC79
    DCFC79 Posts: 40,641 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    samold wrote: »
    I dont know if I am on the electoral roll or not


    Surely you would know if you were on the ER,
  • CLAPTON
    CLAPTON Posts: 41,865 Forumite
    10,000 Posts Combo Breaker
    samold wrote: »
    My credit files say I have poor credit my income is anywhere from 1,000 - 1,200 a month I dont know if I am on the electoral roll or not and Im paying them back monthly because I have only had my job for about 3 months an was the only way I could afford do it.


    what do your credit files actually SAY

    i.e. do they show you on the electoral roll

    list each credit entry they hold on file
  • chanz4
    chanz4 Posts: 11,057 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    go onto barclays online under pre-aproved offers, if its not there then no
    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.
  • cos_2
    cos_2 Posts: 624 Forumite
    Part of the Furniture Combo Breaker
    DCFC79 wrote: »
    Surely you would know if you were on the ER,

    You may remember filling in a form but how would you know that it's been processed correctly? A call to the registrar (or local council, usually) will clarify.

    I never, ever trust councils to do their job right.
This discussion has been closed.
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