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£3000-£4000 loan bad credit!

245

Comments

  • Apples2
    Apples2 Posts: 6,442 Forumite
    You were trying to abuse your granny. Gladly it hasn't worked out.
  • cheri15
    cheri15 Posts: 14 Forumite
    Yea yea apples I didn't even ask her haha I am saying I don't have a guarantor! Jeez thanks for the help :T
  • BugsyBrowne
    BugsyBrowne Posts: 5,697 Forumite
    cheri15 wrote: »
    Yea yea apples I didn't even ask her haha I am saying I don't have a guarantor! Jeez thanks for the help :T

    If you would of paid back what you owed in the first place pal then you would of found it pretty easy to get a loan.
  • cheri15
    cheri15 Posts: 14 Forumite
    Funny you should say that since I have NO debts :) pal
  • DCFC79
    DCFC79 Posts: 40,644 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    cheri15 wrote: »
    Funny you should say that since I have NO debts :) pal

    Why is the money urgent then ?

    Why not save up for it ? As you may well ahve to if your history is poor
  • Apples2
    Apples2 Posts: 6,442 Forumite
    cheri15 wrote: »
    Funny you should say that since I have NO debts :) pal
    then why would you think you have not just a bad, but REALLY bad credit file
  • DCFC79
    DCFC79 Posts: 40,644 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    OP, whats your income ?

    any ccj's ?

    What is exactly on your credit file ? Is it late payments ?
  • cheri15
    cheri15 Posts: 14 Forumite
    I had a couple of late payments on my phone bill ages ago but thats it and it said my credit was fair so i thought i would have a chance of getting a loan/credit card. I thought I had a really bad credit file because I have always been turned down for things in the past but experian said 'i had no recent searches' as i hadnt tried for credit for about a year.
  • geoffky
    geoffky Posts: 6,835 Forumite
    Some people just do not get it....Here is one...

    you will be ripped off...soon
    It is nice to see the value of your house going up'' Why ?
    Unless you are planning to sell up and not live anywhere, I can;t see the advantage.
    If you are planning to upsize the new house will cost more.
    If you are planning to downsize your new house will cost more than it should
    If you are trying to buy your first house its almost impossible.
  • cheri15
    cheri15 Posts: 14 Forumite
    my income is £9180 i only work 3 days a week as i have a young baby. I live with my partner who is on around 13,000
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