Personal loan procedure and specific advice

Shakin_Steve

sociable7 wrote: »

The lender in question uses experian. Experian build your credit score based on your credit history/situation. So it gives a good indication of what your finances are like. If they say excellent, it's unlikely another system will say extremely poor.



As in I wouldn't be employed for three months. Well posters shouldn't just post to get a kudos or badge!

You're a knob. How's that for kudos?

[Deleted User]

sociable7 wrote: »

So it gives a good indication of what your finances are like.

Of course it doesn't. Experian may give bankrupts and 18 year olds a 999 score but anyone lending money doesn't.

And why are you attributing other people's quotes to me?

DCFC79

sociable7 wrote: »

The lender in question uses experian. Experian build your credit score based on your credit history/situation. So it gives a good indication of what your finances are like. If they say excellent, it's unlikely another system will say extremely poor.



As in I wouldn't be employed for three months. Well posters shouldn't just post to get a kudos or badge!

Why did you change the name of the poster you quoted, I was the one who made the comment.

bazzyb

Wow, nice way to respond to people who are giving up their own time to try and help you...

Anyway, as you clearly have your mind made up, why don't you go ahead and do what you intend to do anyway? Put down your address as the one you don't live at, put your job down as one you haven't started yet and see how that pans out for you.

I'll look out for your thread in a few months time asking why you can't even open a basic bank account let alone take out a loan because you have a CIFAS marker and are flagged on National Hunter.

dealer_wins

Talk about an ill-fitting user name lol

davidwood681

Troll or just a pr 1ck?

DevCoder

davidwood681 wrote: »

Troll or just a pr 1ck?

Apparently a 28 year old lawyer. Unless he failed law..

redpete

sociable7 wrote: »

The lender in question uses experian. Experian build your credit score based on your credit history/situation. So it gives a good indication of what your finances are like. If they say excellent, it's unlikely another system will say extremely poor.

The credit score you see gives an indication but not a good indication of the decision a lender will make. Each lender will use different criteria with diffeent weightings. The lender has more information feeding into their decision than Experian has.

You seem to think you know better than most posters so why have you asked the question at all?