Finance/ cred score

Well ive jus checked my credit score and its fair. my hubbys is poor. Wanted him to be my guarantaur he had a score of 800 last year. dont understand them bloody things. I thoughtif you had a mortgage you had a better score. Feel like am taking 1 step forward and 10 steps back well depressed. xx

Chin up hun. Cant U ask another family member 2 do it 4 u? x

ye his mum jus said she would. i hate asking anybody for anything im a bit proud like that. dont usually like to borrow money at all but im soo desperate wanted this for years. mite jus have to postpone till i can save it xx

its slightly different with it being a medical loan… as its not from a loan or credit company or bank they are apparently a little more flexible so even tho his credit isnt amasing u will prob be alright… i also dont think they credit check the guarentor anyway, ive done it when i rented, my dad was guarentor, they just have to sign something that states they are on a certain amount of income per year (annum), and that they will be responsible for payments shud u fail to make a payment etc. xxxxx go alone, see what they say, u may just be surprised. xxx

i applied last night getting my decision today. they said they dont do guarauntaur loans its a joint loan so they prob will check. but hey ho gotta wait n see. if not my ace father in law said hell be a joint applicant or mite even lend me wot i need. xx

good luck hun

Just checked my score too, with experian it was excellent but then with equifax it was only fair. After my consultation next week ill be looking to get a loan from FML too…fingers crossed hey!xxx

thanks for that because my hubbys was excellent on experian and poor on equifax so these companys arnt as thourough as they make out. gunna look into it xx

Yea not as accurate as they make out to be! I was so happy wen I looked at experian then totally gutted when I saw equifax… If ur score is fair wud u not be better off just doing the loan solely in ur name? I read fair means average and still meant to be fairly low risk to lenders….. Good luck let me know if uv been accepted xxx

Im self employed so the MYA finance option want a guarantor. Im really stuggling to get one, any tips or suggestions as to what I can do?

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