We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Should I wait before I apply for finance?
Premix
Posts: 1 Newbie
Hi all,
I'm hoping for some friendly advice
I want to apply for finance to fund a motorcycle through Santander consumer finance and I'm not sure whether to apply now due to an electoral roll issue on my credit reports.
Basically, I moved house back in July 2015, registered on the electoral roll and had written confirmation from the council in September. I have checked my credit report on Experian, Equifax and Call Credit, and only Experian is showing that I am registered; Equifax and Call Credit are saying I am not.
I have read that Santander mainly use Experian to check, but also use Equifax and Call Credit, so I am thinking that as I'm showing as registered on Experian it shouldn't be an issue? But Im not 100% whether to go ahead and apply now (there is a great deal I want that expires next week), or wait until I'm showing as registered on the other two companies also to boost my chances?
I have emailed Equifax and Call credit with a copy of the council letter confirming my registration but am yet to receive a reply.
Has anyone had a similar experience or can anyone offer any advice?
Thanks
I'm hoping for some friendly advice
I want to apply for finance to fund a motorcycle through Santander consumer finance and I'm not sure whether to apply now due to an electoral roll issue on my credit reports.
Basically, I moved house back in July 2015, registered on the electoral roll and had written confirmation from the council in September. I have checked my credit report on Experian, Equifax and Call Credit, and only Experian is showing that I am registered; Equifax and Call Credit are saying I am not.
I have read that Santander mainly use Experian to check, but also use Equifax and Call Credit, so I am thinking that as I'm showing as registered on Experian it shouldn't be an issue? But Im not 100% whether to go ahead and apply now (there is a great deal I want that expires next week), or wait until I'm showing as registered on the other two companies also to boost my chances?
I have emailed Equifax and Call credit with a copy of the council letter confirming my registration but am yet to receive a reply.
Has anyone had a similar experience or can anyone offer any advice?
Thanks
0
Comments
-
why don't you do a personal loan soft search?0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353.8K Banking & Borrowing
- 254.3K Reduce Debt & Boost Income
- 455.2K Spending & Discounts
- 246.9K Work, Benefits & Business
- 603.4K Mortgages, Homes & Bills
- 178.2K Life & Family
- 260.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards