Is there chance of finance?

..ukeuro

Dear All... I don't know if anyone can advise, but any thoughts or advice would be massively appreciated.


Basically, in March 2009, I commenced a DMP with payplan. This came to an end at the end of October 2014 (last month). I would appear to have defaults on a couple of (now cleared) loan since March 2009 according to Noddle. These are now all paid off.


According to Noddle (for whatever it's worth), my credit score is 1/5.


Now, I really want to have laser surgery on my eyes. Where I'm going, there is the option of paying in monthly instalments with Hitachi Finance.


What are the chances I would get approved for finance with Hitachi finance at this stage? Is it just out of the question? Am I dreaming? Should I wait and just keep checking my credit file with Noddle?


Any thoughts or advice would be much appreciated to save myself any embarrassment.


Thank you.

Ebe_Scrooge

I'd say your chances of getting more finance are slim.

But I would venture to suggest that laser eye surgery is not exactly an urgent necessity, certainly not enough to get yourself further into debt ? Sorry, I'm not meaning to sound harsh or condescending, just realistic.

hack_is_fun

Im sorry to say you probably have 0% chance.

I have applied to Hitachi Finance a few times for credit to buy a new gaming PC and was turned down. With experian im 807/999 (Fair Rating)

thebritishbloke

What are your chances of surviving a fall from a high cliff?

As Ebe Scrooge has said, Lasek isn't exactly something that has to be bought right this second. You could save up for it over the next 6-12 months and pay for it that way.

You'll probably be waiting a good few years before you can expect to get accepted for any good finance deals.