Free credit checks

[Marcg868]

Is there any good ones about? Just im after a loan and wanna know why im getting such high intrest rates. (19.5- 33%)
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JACK, MISS YOU LOADS YOU LEGEND.

[Paivi]

Experian.

The more you apply, the worse your rating, though, so don't do any more applications until you check what your rating says.
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My other bike's a Monster...

[Walloper]

Experian and another there are only two real ones.
They will give you info on your credit rating and any bad things any company has said about you. You can then challenge the companies involved if you disagree. You can find the address on internet or visit Citizen Advice.
YOU HAVE TO WRITE TO THEM AND POST A LETTER.
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W-ireless A-rtificial L-ifeform L-imited to O-bservation P-eacekeeping and E-fficient R-epair

[NSR Mick]

[Kickstart]

Hi

Many things change how well you are regarded for credit.

The basic reports that Experian and Equifax are required by law to provide to you for a nominal fee should show up any dodgy items. However it will not tell you why you are not well regarded enough to get offered a low interest rate.

How a company scores you is down to that individual company (and some of the rules can be rather extreme, from memory one company many years ago used to downrate people whos surnames had a particular combination of letters that were unique to Nigerian surnames as they regarded Nigerians as a particularly bad credit risk - totally illegal now and I doubt it has been used for decades). Any one companies scoring cards are fairly closely guarded secrets.

All the best

Keith
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Traxpics, track day and racing photographs - Bimota Forum - Bike performance / thrust graphs for choosing gearing

[DidierD]

[Finglonga]

[Kickstart]

[Paivi]

[Marcg868]

Well i know i can defo get a loan with someone.

However im not going to get any better than 20%, so my way of thinking is just do it.

And i want to clear my credit cards and get a new bike bought and my test done before summer and have some money left to play with.
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JACK, MISS YOU LOADS YOU LEGEND.

[syl]

You can probably get better than 20% on a credit card, never mind a loan.

Have you tried asking your bank about a loan/overdraft? Overdrafts are often based at a slightly higher APR than loans, but if you pay your wages into your account each month the amount oweing is temporarily reduced and can make it more economical than a loan.

I wouldn't take credit at 20% unless I knew it was going to be a short term thing (< 6 months).
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Current bike: Kawasaki Z750S