SAL
Premium Member
Registered: 19th Dec 05
Location: Radlett, Hertfordshire
User status: Offline
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i have a credit card, not used it yet...it has upped my credit score a bit just for having it  i have found having a steady float of money just sitting in the account helps too.
experian do a free trail for 28 days to veiw your score and there is some great info on how to build a good score too.
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p4uls corsa
Member
Registered: 2nd May 05
Location: BRADFORD
User status: Offline
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quote:
Originally posted by Steve
if youve never had a loan before or credit card you'l find it quite hard to get a loan surprisingly
this is true, i have never had credit before and i struggled to get a credit card never mind a loan.
[Edited on 23-08-2007 by p4uls corsa]
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a_j_mair
Member
Registered: 23rd Jan 04
Location: Scotland
User status: Offline
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I got a credit card when i was 18, best thing you can do. I got a 10k loan no problem bout a year ago, paid it all off and now have a 100% mortgage on my own without any quibbles and im just turning 23
if you can afford to pay off your loan/get a loan they are very good. Only if you use them properly, I.e, dont get more than you need and spunk it on any random shite
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Kurt
Member
Registered: 23rd Oct 05
Location: Hi
User status: Offline
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spoke to the bank about my direct debit and thought i would ask about my loan as id applied for one online earlier which she says would take two weeks turnaround, but then she says i could have gone into the bank and had 5000 in my account same day  with no further checks
[Edited on 23-08-2007 by Kurt]
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Ally
Member
Registered: 2nd Jul 03
Location: Pontypool Drives: a Skoda
User status: Offline
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Dont get a loan, its not worth it
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