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Author Credit Rating?
Tiesto
Member
Registered: 6th Jun 02
Location: Hinckley, Leicestershire
User status: Offline
24th Sep 07 at 12:47   View User's Profile U2U Member Reply With Quote
Quick question.

When they undertake a credit search for loans etc, do they take into account the other people that live at the address?

e.g. My brother has shit credit and misses payments all the time, would he affect myn?

As my own bank will not give a loan and they say this might be a reason? Credit report is clean no missed payments etc.
Cosmo
Member
Registered: 29th Mar 01
Location: Im the real one!
User status: Offline
24th Sep 07 at 12:48   View User's Profile U2U Member Reply With Quote
check your credit rating at http://www.experian.com and see.
Aaron
Member
Registered: 9th Aug 04
Location: Cottingham, East Riding
User status: Offline
24th Sep 07 at 12:50   View User's Profile U2U Member Reply With Quote
Cosmo in helpful post shocker!!!! !!! one one !!!
Cosmo
Member
Registered: 29th Mar 01
Location: Im the real one!
User status: Offline
24th Sep 07 at 12:52   View User's Profile U2U Member Reply With Quote
check back...it has been known to happen before
Tiesto
Member
Registered: 6th Jun 02
Location: Hinckley, Leicestershire
User status: Offline
24th Sep 07 at 12:52   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Cosmo
check your credit rating at http://www.experian.com and see.


Done that earlier, got 881/1000
Cosmo
Member
Registered: 29th Mar 01
Location: Im the real one!
User status: Offline
24th Sep 07 at 12:55   View User's Profile U2U Member Reply With Quote
is that any good?! Cant get on there to check whats what.
Tiesto
Member
Registered: 6th Jun 02
Location: Hinckley, Leicestershire
User status: Offline
24th Sep 07 at 12:58   View User's Profile U2U Member Reply With Quote
Apparently comes out at "Good" a few points below Excellent.

[Edited on 24-09-2007 by Tiesto]
Cosmo
Member
Registered: 29th Mar 01
Location: Im the real one!
User status: Offline
24th Sep 07 at 12:59   View User's Profile U2U Member Reply With Quote
surprised your own bank wouldnt then, as they are normally more willing to lend to loyal customers.
SetH
Member
Registered: 15th Jul 01
User status: Online
24th Sep 07 at 13:04   View User's Profile U2U Member Reply With Quote
credit in the UK is a joke, stay well clear imo, better to save up or if you cant afford what you want get a better job.
aim1
Member
Registered: 26th Jun 06
Location: Kent
User status: Offline
24th Sep 07 at 13:24   View User's Profile U2U Member Reply With Quote
House could have been blacklisted which could affect you.
SetH
Member
Registered: 15th Jul 01
User status: Online
24th Sep 07 at 13:45   View User's Profile U2U Member Reply With Quote
propertys being 'blacklisted' is an urban myth tbh.

Tiesto, pay and have the full experian check done it gets broken down into a comprehensive report then you can draw conclusion from that.
Tiesto
Member
Registered: 6th Jun 02
Location: Hinckley, Leicestershire
User status: Offline
24th Sep 07 at 13:56   View User's Profile U2U Member Reply With Quote
Oh well went to Alliance & Leicester and they offered me 6.3% APR.

Avoid Lloyds they have been cocking me about for ages.

I can afford the repayments and its the only time in my life where i will be able to afford the car i want - and my job is secure with good prospects
strick206
Member
Registered: 12th Apr 07
Location: Wigan Drives:Integra DC5
User status: Offline
24th Sep 07 at 14:21   View User's Profile U2U Member Reply With Quote
the may approve the loan and then after further checks withdraw it from you due to your brothers rating (house rating)

my ex girlfriend cant get a loan because her mum has a bad rating, hers is perfect, but wont because she lives at the same address as her mum

 
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