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Why cant i get a loan!
Comments
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SnowTiger i have had the default removed every things is fine now and i did not want to say this but the wonga loan was not even for me it was for a friend that !!!!ed up! and he had to pay monthly for it ! but the default is now been removed
So whats on your credit history then with regards to the 3 credit ref agencies ? Must be soemthing.0 -
If you could afford to pay £209/month for 5 years for a loan, then you could save up £11,000 in 4 years and 6 months and save yourself shedloads of interest into the bargain. As you say you're living with your parents and paying nothing to them, you could save up a lot more than £200/month."Save £12k in 2019" #120 - £100,699.57/£100,0000
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OP is your salary of 12k minus any OT as you shouldnt factor in OT for taking out loans, jsut what you said in the reply quoted by snowtiger.0
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If you could afford to pay £209/month for 5 years for a loan, then you could save up £11,000 in 4 years and 6 months and save yourself shedloads of interest into the bargain. As you say you're living with your parents and paying nothing to them, you could save up a lot more than £200/month.
its for a car am after so wont be there in 4 years lol
positives
The usage of your available credit indicates a lower risk
The balance of your unsecured lending indicates a lower risk
Your borrowing on regular instalment credit has reduced over the last 12 months
You have a significant amount of successfully settled non-mail order accounts
negative
The value of your highest credit limit indicates a higher risk.
will it be better if i make a joint with my mam? she a home owner but they have a lot on credit already...0 -
Why do you need an £11k car? Can't you save up for a £2-3k car instead? What's happened to the car you're already in debt for? Yes I know I'm bossy
"Save £12k in 2019" #120 - £100,699.57/£100,0000 -
its for a car am after so wont be there in 4 years lol
positives
The usage of your available credit indicates a lower risk
The balance of your unsecured lending indicates a lower risk
Your borrowing on regular instalment credit has reduced over the last 12 months
You have a significant amount of successfully settled non-mail order accounts
negative
The value of your highest credit limit indicates a higher risk.
will it be better if i make a joint with my mam? she a home owner but they have a lot on credit already...
Does your mum work ?
The fact she has alot on credit already Id say no a joint application with your mum wont get anywhere but we dont know the full story.
Just save up the money for a car of less value eg 3k or 4k.
Oh yes as Tiglath says whats wrong with the car you have on finance ???0 -
yeah she works full time and the car is fine just wanted a change in car and found my dream car which i could afford if i got the loan lol0
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