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Are you a QOTWer? Do you want to start a thread that isn't a direct answer to the current QOTW? Then this place, gentle poster, is your friend.
( , Sun 1 Apr 2001, 1:00)
Are you a QOTWer? Do you want to start a thread that isn't a direct answer to the current QOTW? Then this place, gentle poster, is your friend.
( , Sun 1 Apr 2001, 1:00)
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I need about £80K
for an extension and new kitchen
( , Thu 7 Mar 2013, 10:52, 2 replies, latest was 11 years ago)
for an extension and new kitchen
( , Thu 7 Mar 2013, 10:52, 2 replies, latest was 11 years ago)
I did a budget last night.
I have total debts of about £5.5k I'm not happy about this.
( , Thu 7 Mar 2013, 10:53, Reply)
I have total debts of about £5.5k I'm not happy about this.
( , Thu 7 Mar 2013, 10:53, Reply)
That's what pisses me off. My total debt is tiny, but I applied for a credit card last night and it was rejected.
( , Thu 7 Mar 2013, 10:55, Reply)
( , Thu 7 Mar 2013, 10:55, Reply)
Credit scoring is odd
My mate runs a property company has £2 million worth of debts but property now worth £5 million. His credit rating is 999 as the companies just want to know if you can pay and he can
( , Thu 7 Mar 2013, 10:57, Reply)
My mate runs a property company has £2 million worth of debts but property now worth £5 million. His credit rating is 999 as the companies just want to know if you can pay and he can
( , Thu 7 Mar 2013, 10:57, Reply)
Most banks have a service that helps build credit ratings.
Have you tried that?
( , Thu 7 Mar 2013, 10:58, Reply)
Have you tried that?
( , Thu 7 Mar 2013, 10:58, Reply)
You save this amount a month.
Then when you've saved it they loan you the ammount you've saved and you pay it back every month from the savings and shit.
( , Thu 7 Mar 2013, 11:02, Reply)
Then when you've saved it they loan you the ammount you've saved and you pay it back every month from the savings and shit.
( , Thu 7 Mar 2013, 11:02, Reply)
My problem is I've just changed mortgage and bank account
...and massively increased my borrowings.
( , Thu 7 Mar 2013, 11:04, Reply)
...and massively increased my borrowings.
( , Thu 7 Mar 2013, 11:04, Reply)
To be honest I thought my credit rating was ok until I just tried.
Might just be due to me just moving but I'll have to look at my files.
( , Thu 7 Mar 2013, 11:05, Reply)
Might just be due to me just moving but I'll have to look at my files.
( , Thu 7 Mar 2013, 11:05, Reply)
If you're not on the electoral roll for the address you used to make the application then you'll automatically be declined.
( , Thu 7 Mar 2013, 11:09, Reply)
( , Thu 7 Mar 2013, 11:09, Reply)
Currently just under 4 grand, here.
Which is way more than this time last year, but nowhere near as much as it'll be in three years' time.
( , Thu 7 Mar 2013, 11:03, Reply)
Which is way more than this time last year, but nowhere near as much as it'll be in three years' time.
( , Thu 7 Mar 2013, 11:03, Reply)
No debts. None.
But that doesn't make my credit rating that great.
( , Thu 7 Mar 2013, 11:09, Reply)
But that doesn't make my credit rating that great.
( , Thu 7 Mar 2013, 11:09, Reply)
It's a little odd how you have to have debts to have a good credit rating.
( , Thu 7 Mar 2013, 11:14, Reply)
( , Thu 7 Mar 2013, 11:14, Reply)
Exactly.
I could service all manner of debt but some institutions are reluctant to lend because you don't have a history of paying it back.
( , Thu 7 Mar 2013, 11:17, Reply)
I could service all manner of debt but some institutions are reluctant to lend because you don't have a history of paying it back.
( , Thu 7 Mar 2013, 11:17, Reply)
I have £155k left to pay on my place
16k on the student loan that I don't care about and about 10k here and there. I feel like I am doing pretty well to be honest
( , Thu 7 Mar 2013, 11:14, Reply)
16k on the student loan that I don't care about and about 10k here and there. I feel like I am doing pretty well to be honest
( , Thu 7 Mar 2013, 11:14, Reply)
This is true
Trouble is they cost upwards of £100K more than the one we bought
( , Thu 7 Mar 2013, 10:54, Reply)
Trouble is they cost upwards of £100K more than the one we bought
( , Thu 7 Mar 2013, 10:54, Reply)
this^
I've probably spent about £10K so far on our new house. Not trying to make any money from it as I intend to move out in a casket.
( , Thu 7 Mar 2013, 10:56, Reply)
I've probably spent about £10K so far on our new house. Not trying to make any money from it as I intend to move out in a casket.
( , Thu 7 Mar 2013, 10:56, Reply)
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