Credit score for finance?

Hi ladies!

Any of you who have got finance for your procedures do you have any idea what your credit score was? Or what it needs to be for you to be approved for finance? From reading bits through the forum I’ve seen it goes from you credit experian score? I don’t think I have particularly bad credit.. But I don’t think its particularly good either.. Haha. I’m not planning on applying for atleast a month after I’ve paid one credit card off Id just like to have an idea as I know if you did apply for finance and were rejected that goes against you for future applications and has a negative affect on your credit score?

Sorry I can’t help but id like to no the same xx

If you have credit cards then you should be fine hun! As long as you have paid them and not missed payments or have to much debt to pay back that would be the only thing that would effect you, you can sign up for that experian for 30 days free I think to check your score then cancel it so you don’t get charged xxx

Oh thanks Kelsie that’s a good ides I think I’ll do that! Did you get finance? Do you know what credit score you had with experian? I know it ranges from like 500 and something to 900 and something.. Xxx

I got a credit card out but they charge to use it so I just used the credit card to live off and used all my wages to pay it so i didn’t get charged, Understanding your score Your Experian Credit Score is essentially a snapshot of your current credit status and can be broken down into five categories; very poor (0 – 560), poor (561 – 720), fair (721 – 880), good (881 – 960) and excellent (961 – 999). That’s what it says online babe and you can do the trial still to xxxx

I got declined for mya finance! I have a credit card which I pay off on time and an overdraft which gets paid off also. Maybe I just wasn’t a safe bet ha! Gone with hitachi who accepted me though xx

Aw no really Lucy! Looks like I can’t predict if I’m guna be accepted or not from this haha just guna have to keep my fingers eyes and toes crossed when I apply!! Whos hitachi @peachysunshinee? a finance company? xx

Thanks for that Kelsie I’m defiantly going to do the trial..I’m just wonder if you need to be fair, good or excellent to get the finance now? haha xxx

I was accepted for finance with mya. I’d only just that month started working full time and had a student bank account which was well into my overdraft so I don’t understand how! Don’t think it’s very strict from what I’ve read 🙂 xx

Oh that sounds a bit more promising Danielle!! Haha do you find out immediately if you’ve been accepted? Xxx

If it does decline it will go on your credit rating profile and knock it down! You can get free credit reports online! There’s other ways tho maybe try your bank if it doesn’t work with finance they will have a rough idea on there system how much u can pay a month, you may get a better interest rate on a loan too it’s worth getting a few quotes to compare x

I’m in the same boat as you Calan! Credit score isn’t bad but don’t think it’s amazing. Good luck! X

Thanks for the advice Kirsty! Oh lets hope we get financed for our new boobs ey Daisy!! Good luck too hun Ill let you know how I get on xx

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