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Ask the Expert - questions tagged 'credit score'

• I am registered with a debt agency cos I have bad credit history can I still get car finance. I have a mortgage and keep those payments up ok. I also have a car that I want to part exchange can I do this through you or the dealer I buy the car from? Is your finance guaranteed ? or can I still get turned down?

  Hi Karen, Thank you for your question about car finance. We would be able to provide car finance if you can obtain written consent from the debt management company, approving a new loan. We do not guarantee that you will […] read more

• Hi, is there a chance for finance if I’ve recently finished an IVA agreement?

  Hi Tomasz, Thank you for your enquiry into vehicle finance. We can accommodate customers who have past IVAs so we would be interested in receiving more details about what type of vehicle you’re interested in and loan amount, etc. Please […] read more

• Hi my wife is after a car upgrade, and at the moment a garage is trying to obtain finance for her, she has been declined with a couple of places up to now, she is on a debt management scheme with myself, is this the reason for the refusals do you think. If so is it even worth continuing trying to obtain credit and thus damaging her credit profile further. Thank you, Tony

  Hi Tony, I’m sorry to hear you are having problems trying to buy a car. It is likely that your wife is being refused car finance due to her being on a debt management scheme. How long has she been […] read more

• Hello. I have never borrowed any money previously and have no idea of what my credit score is. How can I check my credit rating?

  The internet is the place to start. There are several companies providing credit score searches but the two main companies are Equifax and Experian. Don’t worry too much about this, apply online and our computer system will help us find […] read more

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