Author Topic: Low Credit Score  (Read 9323 times)

Nerak

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  • Posts: 1
Low Credit Score
« on: Jul 07, 2016, 04:17:48 PM »
I am so frustrated. I have no missed or late payments,  or anything like that but I do have a high debt ratio credit cards and as such my credit score is 382. I have tried getting a consolidation loan but no luck and now I need a new car, again no luck so stuck what to do now. Has anyone else had a similar problem? My salary is good and I always pay ontime but seem like I cant get any further, Im stuck in a payment cycle, any suggestions please?

Markssxx

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  • Posts: 14
Re: Low Credit Score
« Reply #1 on: Jul 07, 2016, 06:14:15 PM »
Creditors look at a number of things when considering credit applications. It could be the high level of debt you already have on your cards even though you pay on time. Other things that can go against you could be too many credit applications in a short space of time raises concerns too with them. Have you checked your score on all 3 CRA sites to compare? NODDLE offer a free service check them out its free! Check you are on electoral roll too. Hope this helps.

justindrew

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  • Posts: 17
Re: Low Credit Score
« Reply #2 on: Nov 01, 2019, 11:52:54 AM »

When you swipe a credit card or get rid of a loan to create an acquisition, you most likely don’t think about the expertise as a check of your personal integrity or responsibility.
Getting approved for a loan counts as a conclusion. However, if your loan comes with an associate unfavorable rate of interest or restrictive terms, it may shortly want a hollow one.

ShannaBlecy

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  • Posts: 3
Low Credit Score
« Reply #3 on: Nov 30, 2019, 10:51:15 AM »
no, almost every loan place wont lend you money to open a business. You need to have a profitable business running in order to get a business loan. Most business loan is used for expansion or for emergency until next month. it is not for starting a business

With bad credit score it is even harder, you might try to get a personal loan with some collateral

JoyceSpisy

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Low Credit Score
« Reply #4 on: Dec 12, 2019, 05:29:55 AM »
You do not. Legitimate business loans require you are in business at least 1 yr, financially solvent, have good credit, with collateral to offer. These are just basic requirements. You can borrow from friends/family or find an investor/partner. No such thing as an easy to get business loan. If you have collateral for example, you own real estate you may possibly get a secured loan. But even this option requires a decent credit score

Vincentsex

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??????????? ???? Chekist
« Reply #5 on: Dec 22, 2019, 09:16:12 AM »
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Jaimeglone

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  • Posts: 1
Low Credit Score
« Reply #6 on: Jan 08, 2020, 12:44:27 PM »
If there is a credit crunch going on, why am I being bombarded with an unusually high number of offers for loans and credit cards?

I thought the market was supposed to correct for these things?

Paulinenar

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Low Credit Score
« Reply #7 on: Jan 16, 2020, 04:46:03 AM »
In my county, apartments are hard to find due to the small living space that Skagit county has. I should be pushed into homelessness due to a bad credit score.
Its the free market at work, baby. Gotta love capitalism.