Nismo
Member
Registered: 12th Sep 02
User status: Offline
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Mother 
But she aint got that bad only like 1K in debt i think
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Ojc
Member
Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline
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quote:
Originally posted by Nismo
i want like 11K
But just wanted 4K off egg to op up from my 7K
Nationwide gave Rachel 10k 
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Jason Iles
Member
Registered: 19th Jun 01
Location: Bristol
User status: Offline
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quote:
Originally posted by Ojc
quote:
Originally posted by Nismo
i want like 11K
But just wanted 4K off egg to op up from my 7K
Nationwide gave Rachel 10k
I'd give her whatever she wanted as well she is hot 
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Nismo
Member
Registered: 12th Sep 02
User status: Offline
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quote:
Originally posted by Jason Iles
quote:
Originally posted by Ojc
quote:
Originally posted by Nismo
i want like 11K
But just wanted 4K off egg to op up from my 7K
Nationwide gave Rachel 10k
I'd give her whatever she wanted as well she is hot
Id give her anything she wanted too
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Paul H
Member
Registered: 11th Aug 03
Location: Lincoln.
User status: Offline
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i score excellent on my credit rating  still hard to get some loans though
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Nismo
Member
Registered: 12th Sep 02
User status: Offline
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thats why cus your excelent , if you were poor or fair you would get it 
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Paul H
Member
Registered: 11th Aug 03
Location: Lincoln.
User status: Offline
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crappy aint it.
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bradfincham
Member
Registered: 20th Sep 02
Location: East Of England Drives: Clio 172
User status: Offline
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Your score is: 960 on a scale of 0-1000
Very poor Poor Fair GOOD Excellent
the only money i have ever owed in my life is my student loan, thats currently at 6k at the end of year 2!
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Ojc
Member
Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline
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quote:
Originally posted by Nismo
thats why cus your excelent , if you were poor or fair you would get it
Yes, they actually say its beneficial to miss some payments every now and again.
So stupid
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K2 GTi
Member
Registered: 21st Oct 04
User status: Offline
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quote:
Originally posted by Nismo
thats why cus your excelent , if you were poor or fair you would get it
Thats so true lol
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Kerry
Member
Registered: 5th Oct 01
Location: Norwich
User status: Offline
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credit score is not the same as credit rating
if you didnt mean there credit score it means you didnt meet thier criteria. companys look at all different factors when making up a score on an applicant even down to job title i.e the better job you have the better score
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Nismo
Member
Registered: 12th Sep 02
User status: Offline
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i dunno just confusing
Have applied with Northern Rock and Llyods just have to wait and see.
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Kerry
Member
Registered: 5th Oct 01
Location: Norwich
User status: Offline
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when you apply for loans, mortgages, credit cards ect companys use their own score as well as a credit check with experian or equifax sometimes both
they look at 3 years address history, time with employer, job title, income, commitments ect
your credit score may be fine but you may not fit in thier criteria in other ways that my by why they refer to their credit score
might be worth getting a proper equifax report done on your address to check noone else had got bad credit which will affect thier decision
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Kerry
Member
Registered: 5th Oct 01
Location: Norwich
User status: Offline
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also now you have applied and its been refused it will leave a footprint on your credit file which may influence northern rock and lloyds decision
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Ojc
Member
Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline
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I was about to say that Kerry 
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Kerry
Member
Registered: 5th Oct 01
Location: Norwich
User status: Offline
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in true One Account style
I was way ahead of you 
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Nismo
Member
Registered: 12th Sep 02
User status: Offline
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quote:
Originally posted by Kerry
also now you have applied and its been refused it will leave a footprint on your credit file which may influence northern rock and lloyds decision
ah crap
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Ojc
Member
Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline
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quote:
Originally posted by Kerry
in true One Account style
I was way ahead of you
STFU, your all corrupt.
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Kerry
Member
Registered: 5th Oct 01
Location: Norwich
User status: Offline
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no we are the 4th biggest bank in the world 
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Kerry
Member
Registered: 5th Oct 01
Location: Norwich
User status: Offline
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quote:
Originally posted by Nismo
quote:
Originally posted by Kerry
also now you have applied and its been refused it will leave a footprint on your credit file which may influence northern rock and lloyds decision
ah crap
sorry
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Nismo
Member
Registered: 12th Sep 02
User status: Offline
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**goes off to mr credit card**
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Sam
Moderator
Premium Member
Registered: 24th Dec 99
Location: West Midlands
User status: Offline
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Egg also declined me a top up on my loan.
Although I think it's just down to the fact that my credit rating is probably crap and I move around a lot, home and job wise...
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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I spoke to Virgin card a while ago about upping that but the minimum payment is a fiver and I had only been with them for one month. So she was like "sorry we can't do that we need some payment history", so I asked if I should call back in another month when I would have paid off a whole tenner, she was like "Um.... no."
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Sam
Moderator
Premium Member
Registered: 24th Dec 99
Location: West Midlands
User status: Offline
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Getting credit these days is a joke. Even if you pay everything on time, you are still penalised if you haven't had the same place and job for like the past 5 years or something!
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Kerry
Member
Registered: 5th Oct 01
Location: Norwich
User status: Offline
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its more like 6 months sam not 5 years
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