Bad Credit loans is a term used to describe you if you have failed to repay borrowed cash or plastic cards in the past. Your personal file will contain details of all the history you have obtained over the last 6 years. This information will give you an overall score, which lenders will use as a guideline when deciding whether to lend to you or not. Some people also have a low score if they have had little or no status of borrowing.
More often than not people who are considered to have a ‘good creditable score’ are people who have:
* A good status of borrowing money and making repayments on time
* No history of bankruptcy
* No defaults or CCJs
* Registered on the electoral role at their current address
* Employed/Self Employed with documented reliable income
If you don’t apply to one or more of the above points then you may find you run into difficulty when trying to borrow money from mainstream lenders or high street banks. For more information on your file, it is recommended to check the reference agency websites (Experian, Equifax or Call Credit) where you can access your personal file to get an idea of your rating so you can determine what type of loan you are more likely to be approved for.
Use the online application form above to fill in your details. It’s really important that you provide us with the most accurate information as failing to do so could harm your application.
More often than not people who are considered to have a ‘good creditable score’ are people who have:
* A good status of borrowing money and making repayments on time
* No history of bankruptcy
* No defaults or CCJs
* Registered on the electoral role at their current address
* Employed/Self Employed with documented reliable income
If you don’t apply to one or more of the above points then you may find you run into difficulty when trying to borrow money from mainstream lenders or high street banks. For more information on your file, it is recommended to check the reference agency websites (Experian, Equifax or Call Credit) where you can access your personal file to get an idea of your rating so you can determine what type of loan you are more likely to be approved for.
Use the online application form above to fill in your details. It’s really important that you provide us with the most accurate information as failing to do so could harm your application.
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