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now you know how you can be chosen for best answer...
Additional Details
still not giving the desired answer after 16 answers...... |
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Hi,
My partner owes around 20k to misc creditors as unsecured debt with some overdue etc. He has a steady job and has his budget under control now since his family situation changed and ... |
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ajay | Can I get a loan with a bad credit rating? |
I'd like to take out a loan to pay for a holiday to Australia next year with some friends. I need about £2000.
Unfortunately I have a really bad credit rating, after living off credit cards a few years ago while unemployed, and not being able to pay them back at the time.
Those debts are long since paid off and I have had a reasonably well paid, stable job for the last three years, so I would have no problem keeping up any repayments. However, I'm still being refused even the most basic credit cards and store cards, and my bank recently refused to increase my overdraft, which isn't exactly generous as it is.
Can anyone tell me how I should go about getting this loan, or getting a credit card?
Also, if it would make it easier, my parents say they would be willing to act as guarantors; how does this work? |
 |
 
Martin K
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Yea you can but these credit companys charge you double what you borrow so please dont give it to them.. |
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mikeec79
|
Get a copy of your credit file from Experian or Equifax and find out which creditors have placed bad marks against you. If you have since repaid those debts you can ask each creditor for a certificate of satisfaction which can then be sent on the the credit reference agency in order to get the bad marks removed.
If you have bad credit you will only be able to get a loan from a company which specialises in adverse credit lending. Only problem is you will pay a high rate of interest on the amount you borrow. |
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L
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you probably could still get a loan but would end up paying a higher interest rate. Its really probably not worth it. You should seriously consider getting a job and saving up for your holiday instead.
i think you should make sure your parents are aware of your financial situation before they commit to being guarantors (where they sign and become responsible for your debt if you cant pay it) |
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jai s
|
check the below link its good
http://workathomeandearnmoney.blogspot.com
. |
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bdancer222
|
Here's a novel idea. Start saving money right now. You have a whole year. If you really want to take that trip, you should just cut back on the extras (eating out, new clothes, cell phone, electronic toys, etc).
Borrowing money for luxuries is how you get into financial trouble. If you can't save enough, you can't afford to go. Just that simple. |
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Vipguy
 |
The fact you have a bad credit rating should not prevent you getting a loan. Around 60% of people who take out some form of credit have a bad record somewhere down the line.
Some companies actually specialise in helping people with bad cerdit records as they know other companies will not assist them so it's extra money in their pocket.
If you parents act as a guarantor this means that should you default on payment the company which advanced the loan can attach the debt to them. However, make sure they have a good rating otherwise they won't be accepted!
I hope this helps a little and good luck! |
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KIMY
 |
review your credit report |
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mama
|
try this web site
money saving expert.com
Martin Lewis the money expert on tv he's excellant |
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TruthSeeker
 |
Seriously, I am a financial counselor and I must tell you that...You need Dave Ramsey's Financial Peace University.
I receive no material gain for promoting this program. I do receive a great sense of joy from sharing this wisdom with others.
You can't get out of debt by taking on new debt. You must change your behaviors and your relationship with money. It's the only way.
I took Financial Peace University and learned a great deal about my bad financial habits. I hope it will do the same for you. |
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jeanimus
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The defaults on your past cards etc will stay on your credit history for six years, so until then it will be difficult to get a loan from a high street lender. You may be able to get a loan from a sub-prime lender ( the ones with the massive interest rates) but it would cost a lot.
If your parents stood as guarantors it would mean that if you dont repay the loan they have to - legally. |
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Gazztrain
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Probably |
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