If you’re not sure what you credit rating is right now it is not a problem at this stage. We can help you get your credit score once you complete your application.
If you would like to check your credit rating in the meantime, we recommend using Noddle to get access to your credit rating for free. You can signup free at www.noddle.co.uk
An excellent credit rating indicates that you are unlikely to be rejected when you apply for credit and can normally take advantage of the best finance deals. You are likely to have lived at the same property for a number of years, being a homeowner or long term tenant and be registered on the electoral roll. You will have with stable employment history with a long standing credit history with mortgages, loans and credit cards with very few missed payments.
A good credit rating indicates that you can usually expect to be accepted when applying and are likely to be in a position to select from different credit providers. You are likely to have lived at the same property for a number of years, being a homeowner or long term tenant and be registered on the electoral roll. You will have with stable employment history with a long standing credit history with mortgages, loans and credit cards with very few missed payments.
A fair credit rating indicates that you may occasionally be rejected when applying for credit as such you may find that you can’t get all of the best interest rates on the market. You may have recent changes in of address, an irregular electoral roll record or recently change jobs. You may have high levels of debt compared to your income, frequently made credit applications or have occasional late payments. You could also have had some CCJs or defaults from a number of years back.
A poor credit rating indicates that you may be rejected for credit and when accepted you are likely to receive higher rates of interest. You may have had frequent changes of address, not registered on the electoral roll, recently change jobs or had periods of unemployed. You are likely to have high levels of debt compared to your income along with late payments, defaults or CCJ’s.
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CarMoney LIMITED is authorised and regulated by the Financial Conduct Authority for consumer credit activity and our registration number is 674094. Representative 16.57% APR
Registered Address: 1 Lonmay Road, Glasgow, G33 4EL, Scotland. Company Number: SC467274.