its part of bein a student mate am afraid, the debt comes as an added extra lol. But as long as you are careful (which i wasn't) you can keep it under control.

Ah thats the thing, overdraft fair enough you dont get credit ratings for that unless you don't pay back at a reasonable rate. Credit cards are an arse and a bain on society, but I would still use one :lol:, the student loan doesn't count against you in any way does it?? Thought it was seperate and couldn't give you a bad rating as long as you pay it back.

Worrying me now mate. I will have around £9-£10 on student loan after 3 years and more than likely a large overdraft but hoping to keep it paid off so I dont get a bad rating.

Good luck mate, hope uni was worth it for ya.

2 overdrafts and 3 credit cards mate, and i dont suppose the £16K student loan helps.

What you done so bad at uni thats given you a bad credit rating?? Just worries me what you said because I am becoming a student. Gonna be using my overdraft and such but thats about it, dont want to be getting bad credit though.

cheers mate, given them a call today and it turns out they work in conjunction with the company i work for, so i should have even more chance of getting approved. 325i come on!!

do northern rock have a web site?

probally not :lol:

would they give me a loan even tho im jobless :)

Nothern Rock dude, i borrowed 15K off them with bad credit history, can borrow over up to 10years too

Need to find somewhere that are quite leniant on a bad credit rating as I've just come out of uni so mine is pretty awful. Need £10K so, anywhere thats pretty easy going with low interest rates.