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Corsa Sport » Message Board » Off Day » House Day » credit score » Post Reply
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dannymccann |
posted on 26th Feb 14 at 19:34 |
Robbo, just get a credit card now and spend everything you normally buy on it and set the DD up to clear it every month, no hassle credit card score. Hell if you go with Santander or Halifax they will pay you to have one :) | |
Robbo |
posted on 25th Feb 14 at 09:43 |
this worries me a tad... if i get redundancy like im pushign for, and go for a hosue ill have 20-25% deposit and a salary (assuming i got a new job :lol: ) makign it more than affordable but i havent had any debts for years (no loans, credit cards, buy now pay laters etc) and have moved around a fair bit, wonder if that will screw my credit score :boggle: | |
tom130691 |
posted on 25th Feb 14 at 07:50 |
quote: Ran through all that with her, I know how much I can borrow, what repayments are like with what deposit ect, the only reason I cant have one now is ive only been here 8months or so. Just a waiting game now. | |
John |
posted on 24th Feb 14 at 21:23 |
quote: All that means is if you tell her how much you earn permanent, they'll say how much they would potentially give you, if the stars align. | |
chloe16v |
posted on 24th Feb 14 at 21:17 |
loan and store cards have been paid off today so that will take 10 days to record on the credit score and as soon as the car insurers settle up that'll be us debt free :D:cool: just hope it makes a difference :thumbs: | |
tom130691 |
posted on 24th Feb 14 at 19:58 |
quote: technically neither :0 because im a contractor i have to be in work a year, so as of july 22 or in her words "if you go permanent call me and i can give you one over the phone now ive met you already" :D The car situation was due to finishing uni, had full time job 3 weeks, massive overdraft still but all gone now | |
RichR |
posted on 23rd Feb 14 at 17:45 |
Have you just had a mortgage offer in principal Tom or a formal offer? | |
Russ |
posted on 23rd Feb 14 at 10:55 |
that ^ | |
John |
posted on 23rd Feb 14 at 00:10 |
Rejected finance on a car is a bit weird. Its secured and they normally have a big list to go down. | |
tom130691 |
posted on 22nd Feb 14 at 23:57 |
As above | |
dannymccann |
posted on 22nd Feb 14 at 18:09 |
Mortgage affordability is different to a credit score - just because you can afford a mortgage doesn't mean you will get accepted, conversely just because you have a good credit score doesn't mean you can afford a mortgage. | |
chloe16v |
posted on 22nd Feb 14 at 13:54 |
his account shows he has never missed a payment but he has only ever had 1 bank account and never had a credit card | |
chloe16v |
posted on 22nd Feb 14 at 13:53 |
its to get a mortgage, im the 1 with bad credit but my fella has every loan in his name and the mortgage will be in his name, but the bank said his soft credit search showed his score was too low but logging into his experian account shows his score is rather high :boggle: hopefully with everything paid off it will higher his score and show he can afford a mortgage | |
Russ |
posted on 22nd Feb 14 at 13:45 |
yes, pay them off, increase your credit score | |
chloe16v |
posted on 22nd Feb 14 at 13:05 |
will paying off existing loans higher your credit score? if so how long will it take for the score to rise, say we have 20k in loans and we pay them off, will the credit score rise as we have nothing paying out each month |