Personal loan
#1
Forum Regular
Thread Starter
Joined: Jul 2021
Posts: 53
Personal loan
We’ve been back a year, good jobs and own our house outright. Our bank just rejected a small loan application my Husband put through. He’s had the account for 30 years. Has anyone had any luck getting personal loans with the lack of UK credit score?
#2
Lost in BE Cyberspace
Joined: Jul 2016
Posts: 10,006
Re: Personal loan
#3
Re: Personal loan
If you have a credit card, use it for all your shopping and pay it off each month, if you don't have one, get one. Best way to build your score is to actually use a credit card.
#4
Lost in BE Cyberspace
Joined: Jul 2016
Posts: 10,006
Re: Personal loan
when i returned i found on my credit report an old marks and spencer account from 25 years before i had forgotten about.
another option is a mortgage broker,but best first step get a credit card of any type to start building credit.and definitely sign up on electoral roll if you haven't done so already as that counts towards credit score.
#5
Re: Personal loan
have you checked the credit score ? clearscore or totallymoney give free credit reports.
when i returned i found on my credit report an old marks and spencer account from 25 years before i had forgotten about.
another option is a mortgage broker,but best first step get a credit card of any type to start building credit.and definitely sign up on electoral roll if you haven't done so already as that counts towards credit score.
when i returned i found on my credit report an old marks and spencer account from 25 years before i had forgotten about.
another option is a mortgage broker,but best first step get a credit card of any type to start building credit.and definitely sign up on electoral roll if you haven't done so already as that counts towards credit score.