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MechCg |
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MechCg L Plate Warrior
Joined: 15 Jul 2019 Karma :
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Posted: 21:05 - 16 Jul 2019 Post subject: BAD CREDIT HELP |
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I need help improving my credit
Running at a 350 I got two direct debits set up rent and insurance
im looking at paying off debts currently totalling about 1800? so nothing major.
tried for bad credit cards but sorting out phoning them and seeing if it can be sorted rather then the automated rejection.
anyone else got some tips to help me raise it. please im tryna sort verything so in next 5 years i could start looking at mortgage??
thanks guys ____________________ Cgpssedge |
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King29 |
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King29 World Chat Champion
Joined: 18 Oct 2017 Karma :
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MechCg |
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MechCg L Plate Warrior
Joined: 15 Jul 2019 Karma :
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Posted: 21:07 - 16 Jul 2019 Post subject: |
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id rathger go slap chuck norris thanks ____________________ Cgpssedge |
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GSTEEL32 |
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GSTEEL32 Traffic Copper
Joined: 24 Feb 2010 Karma :
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Posted: 21:34 - 16 Jul 2019 Post subject: Re: BAD CREDIT HELP |
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350 because you've not had credit before, or 350 because you've missed payments ? |
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MechCg |
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MechCg L Plate Warrior
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Polarbear |
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Polarbear Super Spammer
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MechCg |
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MechCg L Plate Warrior
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Polarbear |
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Polarbear Super Spammer
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Ste |
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Ste Not Work Safe
Joined: 01 Sep 2002 Karma :
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Easy-X |
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Easy-X Super Spammer
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Omega |
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Omega Crazy Courier
Joined: 07 May 2009 Karma :
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Nobby the Bastard |
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Nobby the Bastard Harley Gaydar
Joined: 16 Aug 2013 Karma :
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Ste |
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Ste Not Work Safe
Joined: 01 Sep 2002 Karma :
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Easy-X |
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Easy-X Super Spammer
Joined: 08 Mar 2019 Karma :
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Posted: 14:38 - 17 Jul 2019 Post subject: |
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Ste wrote: | You can't spend money using a cash card, all you can do is withdraw cash from ATMs.
There are also prepaid credit cards which can be used to buy things but they don't even show up on credit reports.
As such, neither a cash card or a prepaid credit card will have an impact on the card holders credit score. |
Doh! That's what I meant, thanx ____________________ Husqvarna Vitpilen 401, Yamaha XSR700, Honda Rebel, Yamaha DT175, Suzuki SV650 (loan) Fazer 600, Keeway Superlight 125, 50cc turd scooter |
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P. |
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P. Red Rocket
Joined: 14 Feb 2008 Karma :
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Nobby the Bastard |
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Nobby the Bastard Harley Gaydar
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Ste |
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Ste Not Work Safe
Joined: 01 Sep 2002 Karma :
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Posted: 18:37 - 17 Jul 2019 Post subject: |
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You do.
If you sign up with creditkarma.co.uk then you'll be able to see the credit cards I've taken out in your name. |
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Bhud |
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Bhud World Chat Champion
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GSTEEL32 |
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GSTEEL32 Traffic Copper
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Ribenapigeon |
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Ribenapigeon Super Spammer
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Hetzer |
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Hetzer Super Spammer
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iooi |
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iooi Super Spammer
Joined: 14 Jan 2007 Karma :
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Posted: 15:07 - 18 Jul 2019 Post subject: Re: BAD CREDIT HELP |
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MechCg wrote: | I need help improving my credit
Running at a 350 I got two direct debits set up rent and insurance
im looking at paying off debts currently totalling about 1800? so nothing major.
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1st off that 350 means jack shit to any lender. Hope you are not paying to find out that waste of space figure.
All lenders use their own scoring. Then look at missed payments. And YES all this info is available to all lenders.
So this 1800 that is nothing major.... Just how much a month do you earn?
If that debt is more than 50% of your DISPOSABLE monthly income. So that is what is left after you have paid all your bills to live for the month.
Then it is a major problem.
Use a payday loan, or some of the higher interest lenders and you will see most lenders reach for a even longer barge pole..
Want to improve your credit rating.
Pay off the debt.
Pay DD's on time.
DO NOT apply for any other credit for a year.
Make sure your monthly debit is never more than 20% of your disposable income. ____________________ Just because my bike was A DIVVY, does not mean i am...... |
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Grubscrew |
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Grubscrew Scooby Slapper
Joined: 23 Dec 2018 Karma :
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Old Thread Alert!
The last post was made 4 years, 254 days ago. Instead of replying here, would creating a new thread be more useful? |
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