Im 27 years old, full time employed, homowner, decent salary etc, no court judgements or bad credit, not even any debts as I have no credit cards or existing loans...how come I cant get a very small loan (鎷?000) from anyone, even my own bank??
Some of my friends have MASSIVE debts and constantly get new loans....so whats wrong with me!!?
Why Do I Keep Getting Refused A Loan???!!!?
dont keep applying for loans, everytime you apply this goes down on your credit rating and everytime a loan is refused this will give you a worse credit rating than you had before. I would suggest not applying for anymore until you know hy they are being refused.
The banks/ lenders should have given you a reason, it may be that your circumstances are not right, they may feel your income is not substantial enough for repayments or, most likely, your credit rating may be bad.
I'd go to Experian and check your credit score (you can do this for free). All sorts of things can give you a mark down- mortgage applications, loan applications, missed payments on other credit (loans, credit cards, bank overdraft), bad credit history on the property, not bring on the electoral role at the correct address, late payments on utility bills, connections to other people (spouse or other family) who are in bad debt. Have a look, most of the time it can be easily sorted within 3-6months.
Be wary of lendersoffering credit to those with bad credit ratings as these are usually at an incredibly high rate and you will pay through the nose for them.
Why Do I Keep Getting Refused A Loan???!!!?
No credit is sometimes as bad as bad credit. Try getting a %26quot;secured%26quot; loan to start. They are higher interest, but it is a good way to start building credit.
Why Do I Keep Getting Refused A Loan???!!!?
hi i was the same then i found out that i had no credit history because i never had any credit, so i could not get credit, so i had to take out a loan to build up my credit history, its a vicious circle, no credit no credit history, no credit history, no credit!! mad or what.
Why Do I Keep Getting Refused A Loan???!!!?
Because you have no track record for handling debt. Get and use a credit card for a few months to fix this.
Why Do I Keep Getting Refused A Loan???!!!?
Well, from what you say it appears that banks, financial institutions etc, have no record of how you behave with money as you have no previous loans or credit cards.......therefore, computer says you don't exist. go overdrawn at the bank, then see how quickly the slime balls will offer you a loan to pay it off.....then a credit card, mortgage and so on. Believe! that's how it works! Sad. don't you think?
Why Do I Keep Getting Refused A Loan???!!!?
Go to www.experian.co.uk and they will give you details of your credit ratings.
Why Do I Keep Getting Refused A Loan???!!!?
I was told by my bank, that because I pay my credit cards in full each month,%26amp; don't have any loans that i am paying on,that my actual credit score is a little lower. The fact that i have money in 4 different banks doesn't count ,
Why Do I Keep Getting Refused A Loan???!!!?
Hi.
This site is well recommended for loans and will definately help you:
http://ukbestloans.co.nr
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