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What should I do to sort my credit score out, im wanting to buy a car
I have recently moved in with my other half and have got a phone contract set up under her address (I also work under this address). The issue I face however is my electoral vote is registered in the other side of the country. I am looking to purchase a car, however I am worried that this will influence my credit score when applying for a Hire Purchase loan.
Any help would be appreciated,
Thanks.
Any help would be appreciated,
Thanks.
0
Comments
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The score doesn't matter, so ignore that.
Are you planning to register on the electoral roll at your new address?"Facism arrives as your friend. It will restore your honour, make you feel proud, protect your house, give you a job, clean up the neighbourhood, remind you of how great you once were, clear out the venal and the corrupt, remove anything you feel is unlike you... [it] doesn't walk in saying, "our programme means militias, mass imprisonments, transportations, war and persecution."0 -
yes i am planning on doing so soon0
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would you recommend doing this prior to undertaking my purchase.0
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Definitely. Not being on the ER, or an address mis match is likely to give a decline.
Do you also have some good credit history? Or just a phone contract?0 -
thank you, and phone contracts, paying bills on time as well as rent too0
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I am now considering taking out a loan with my current bank nationwide as i have a good credit score and was wondering the likeliness of being accepted before applying is. Taking out a loan would mean i wouldn't need to wait a month for my electoral registration to go through; I don't really want my score to be affected so any opinions would be appreciated.0
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Your credit score still doesn't mean anything. Lenders don't see it and they don't care about it.
Try an eligibility checker to see what options you may have, The problem is that you seem to have a thin file, with only a phone contract that might appear on your files.
You're also going to struggle with not being on the ER.0 -
Bills and rent aren't credit agreements, so won't show on your credit files.thank you, and phone contracts, paying bills on time as well as rent too
You have a very thin file, and an address mismatch. I can't see any mainstream lender giving you such a large loan.
Get your address changed, apply for a credit card with your bank, us it regularly and pay it off every month."Facism arrives as your friend. It will restore your honour, make you feel proud, protect your house, give you a job, clean up the neighbourhood, remind you of how great you once were, clear out the venal and the corrupt, remove anything you feel is unlike you... [it] doesn't walk in saying, "our programme means militias, mass imprisonments, transportations, war and persecution."0
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