Totally Confused and A bit Scared

restriction

Got my credit File with Experian and Equifax

Im not on the Electorial Roll and had an old debt that i have cleared but when i checked my Experian i have a crazy score of 932

BUT

On my Equifax i have 104

I want to buy a house, a car or get a loan. With Lloyds i am on a risk band 3 which i hear is good.

Im just wondering what are my chances of getting any credit at all?

[Deleted User]

It depends on what your credit files say and on your income - Ie repayment history, defaults, debts, CCJs, available credit etc.

The scores don't matter, crazy or not.

Dobbibill

restriction wrote: »

Got my credit File with Experian and Equifax

I want to buy a house, a car or get a loan. With Lloyds i am on a risk band 3 which i hear is good.

Im just wondering what are my chances of getting any credit at all?

Your score is irrelevant as neither Experian nor Equifax provide lending.

You will only truly know by applying for credit, however it may be worth speaking to Lloyds as you already bank with them and ask them if there is any lending available to you. (you don't have to take any lending, just ask to give you an indication)

Also, get yourself on the Electoral Roll ASAP, this evidences stability. You can do it here or by contacting your local council (they will normally have information on their website about it)

Credit applications have been known to fail due to not being on the electoral roll so I would address that first, it will take time to update though. You can also use Noddle (free) to check it with them as well as the above CRA's. Here is their link too.

HTH