Nismo
Member
Registered: 12th Sep 02
User status: Offline
|
Tried to top my loan up with Egg today but they declined me as i didnt meet there credit score!!!
The reason i dont meet there credit score is beacuse im not a liability, i have allways paid my debt off and when i check my credit rating online i score 950 out of 1000 and in class GOOD.
Your score is: 950 on a scale of 0-1000
A higher score generally indicates that lenders will consider it less risky to lend money to you.
This score reflects the information held by Experian on the date show here: 19/01/2006
Your credit score category is:
Very Poor Poor Fair Good Excellent
It sucks that you have to be in debt to get more money 
Any loan companys i can try would be appriciated 
|
Tom
Member
Registered: 3rd Apr 02
Location: Wirral, Merseyside
User status: Offline
|
It does suck and something should be done about it as it fucks your life up 
|
Tom
Member
Registered: 3rd Apr 02
Location: Wirral, Merseyside
User status: Offline
|
How do I check my credit score?
|
dave17
Member
Registered: 3rd Sep 02
Location: Greater London
User status: Offline
|
Whas the address for checking your credit rating?
|
Edd
Member
Registered: 8th Nov 04
Location: Glasgow
User status: Offline
|
cahoot,northern rock, halifax
|
ed
Member
Registered: 10th Sep 03
User status: Offline
|
If your credit score is too high then you probably wont miss any payments and they wont make enough money off you to justify giving you any money.. Maybe?
|
Nismo
Member
Registered: 12th Sep 02
User status: Offline
|
quote:
Originally posted by Tom
How do I check my credit score?
http://www.creditexpert.co.uk signup for a free 30 day trial then once your singed up run the Experian Credit Report.
|
Nismo
Member
Registered: 12th Sep 02
User status: Offline
|
quote:
Originally posted by ed
If your credit score is too high then you probably wont miss any payments and they wont make enough money off you to justify giving you any money.. Maybe?
I know its soooooo annoying. Egg told me to write to some guy and complain but i dont have the time i need the money A.............SAP.
|
Tom
Member
Registered: 3rd Apr 02
Location: Wirral, Merseyside
User status: Offline
|
Thanks nismole 
|
Gg_mf
Member
Registered: 10th Oct 05
Location: Brighouse
User status: Offline
|
Equifax are good to buy your credit rating from. 12.50 for a detailed one. Or you can buy one from experian for 2.99 but it doesnt tell you much. i also got turned down from egg anf i have never missed a payment
[Edited on 19-01-2006 by Gg_mf]
|
Jason Iles
Member
Registered: 19th Jun 01
Location: Bristol
User status: Offline
|
Alliance and Leister have a good rate of 6.1% think there are a few doing 5.9% now though try - www.themotleyfool.com to check the best rates
|
Edd
Member
Registered: 8th Nov 04
Location: Glasgow
User status: Offline
|
quote:
Originally posted by Edd
cahoot,northern rock, halifax
|
Ojc
Member
Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline
|
Cahoot are quite hard to get loans with, its only because I work for Abbey that I got one.
Northern Rock would give money out to anyone, give them a try.
Failing that, Alliance & Leicester.
I checked my online credit score with experian, think it was about 750 and was fair
Missed credit card payments back in the day, so easy to forget, so anal.
|
Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
|
 egg used to be one of the easiest ones to get a loan off.
I once type in and asked for a 10k loan just to see how easy it was. I thought i'd cancelled it, but later the same afternoon I had a call from an advisor to confirm I wanted to accept the loan 
I currently owe egg £4250 on my credit card, I didn't pay them for two years but I decided it's time to sort myself out
|
Wayne
Member
Registered: 19th May 04
Location: Haslingden, Lancashire
User status: Offline
|
Mines is 750 and very shite to get credit, missed payments by a few days etc etc! The penalty for missing payments and also when you get rejected for credit it knocks your score down even more! How gay!
|
Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
|
quote:
Originally posted by Nismo
http://www.creditexpert.co.uk signup for a free 30 day trial then once your singed up run the Experian Credit Report.
Do you have to enter a card number to get the free trial?
|
Wayne
Member
Registered: 19th May 04
Location: Haslingden, Lancashire
User status: Offline
|
yeah think you do, then just ring up and cancel it that's what i did when i checked for my credit score, you can see all the companys that have rejected you and where you have missed payments quite usefull.
|
Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
|
I don't have any cards or a bank account tho
|
Ojc
Member
Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline
|
Your fooked
|
Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
|
quote:
Originally posted by Ojc
Your fooked
i know
|
K2 GTi
Member
Registered: 21st Oct 04
User status: Offline
|
barclays just took a loan out with them they tel you that minute whether or not you got hte loan. i got accpeted yesterday for 2.9k 
|
Nismo
Member
Registered: 12th Sep 02
User status: Offline
|
i want like 11K
But just wanted 4K off egg to op up from my 7K
|
Tim
Site Administrator
Registered: 21st Apr 00
User status: Offline
|
Bizarre. I have a similarly high credit rating, but the only time I have been turned down was buying a TV on 0% which was only around a grand.
Apparently it was purely because I'd only lived at my current place for 2 weeks, and was nothing to do with my actual rating...
You haven't moved have ya? 
|
Nismo
Member
Registered: 12th Sep 02
User status: Offline
|
no same gaff for 9 years
|
Tim
Site Administrator
Registered: 21st Apr 00
User status: Offline
|
quote:
Originally posted by Nismo
no same gaff for 9 years
Anyone else live there with shit credit?
|
