Hitachi capital credit checks

5 Posts
Hi
I am about to apply for finance on a sofa, i checked my credit score and it has decreased a little since I last applied for credit. I had finance with Hitachi for my kitchen which ended last month all paid up fine. I'm worried though that my score is good with Experian and Equifax but creditkarma says work to be done. How do Hitachi credit check, who do they use and what are their priorities?
Thanks
I am about to apply for finance on a sofa, i checked my credit score and it has decreased a little since I last applied for credit. I had finance with Hitachi for my kitchen which ended last month all paid up fine. I'm worried though that my score is good with Experian and Equifax but creditkarma says work to be done. How do Hitachi credit check, who do they use and what are their priorities?
Thanks
0
This discussion has been closed.
Latest MSE News and Guides
Replies
Do creditkarma extend credit? No. Just out of curiosity what work do they suggest needs to be done? Does this work involve taking out a credit product recommended by them?
Your three CRA 'credit scores' are irrelevant as lenders neither use nor see them.
I love my job
I love my job
If everything on your credit files is ok, no late payments, defaults, ccj's etc then you will probably be ok especially as you are a previous customer who has satisfactorily completed a previous credit agreement with them. But as I said before, there is no way to know if you will be accepted until you apply and nobody can give you an answer to that question except Hitachi.