AA Loans - which reference agency?

Options
2»

Comments

  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
    First Anniversary Photogenic Name Dropper First Post
    Options
    Well, it's definitely not from your Experian rating.

    They get their data from the CRAs and your application.
  • martynjwood
    martynjwood Posts: 4 Newbie
    Options
    Not sure. I applied today under the false hope of 3.0% to get offered 9.9% after full application.

    Disappointed this occurs after a Hard credit search as all other lender websites changed APR after the eligibility checker. For the 49% of those that don't get the representative APR this is unfair and could be bad news for your credit score.

    V poor that this is not made blatantly obvious that changes to APR may occur after hard check and there credit file affected.
  • DanielRodrigues
    DanielRodrigues Posts: 13 Forumite
    Options
    Hi,

    Did you get a text confirming that the money would be in your account within 2 days?

    Thank you
  • Crystal17
    Crystal17 Posts: 2 Newbie
    Options
    Richey_ wrote: »
    This soon it would not have updated so it made no difference that you paid off the HSBC loan.
    You would have got it anyway.

    I’m assuming that the money given to you by family to pay off the HSBC loan was a gift?
    If it was a loan I am sure you would have declared it in the application form to AA?

    Dont understand the assumptions on personal family issues
    Nor the surety of what information the Querent put on the application.

    All irrelevant to the initial question
  • Clive_Woody
    Clive_Woody Posts: 5,855 Forumite
    Name Dropper First Anniversary Photogenic First Post
    Options
    Crystal17 wrote: »
    Dont understand the assumptions on personal family issues
    Nor the surety of what information the Querent put on the application.

    All irrelevant to the initial question
    Seeing as the initial question was asked nearly 2 years ago your tardy response is equally as irrelevant.

    Post count building by any chance? :money:
    "We act as though comfort and luxury are the chief requirements of life, when all that we need to make us happy is something to be enthusiastic about” – Albert Einstein
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

Categories

  • All Categories
  • 343.2K Banking & Borrowing
  • 250.1K Reduce Debt & Boost Income
  • 449.7K Spending & Discounts
  • 235.3K Work, Benefits & Business
  • 608.1K Mortgages, Homes & Bills
  • 173.1K Life & Family
  • 247.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards