i have a bad credit rating does anyone know what the best options to fund

hello girls im brand new and i have my consultation a week on saturday, my credit rating is not great after the recession but my husband earns pleanty of money to get credit they just wont let us have any does anyone know of a company thats great for bad credit rating or what options mya give??? thanks xxxx

p.s. if anyone would like to add me it would be muchly appreciated id love to hear of everyones experiences xx

Hi hun. I also don’t have good credit and normally get declined for credit cards n that!! But managed to get an interest free one with barcleycard and then I’ve got a £2000 loan with hsbc who I bank with xxx

i tried to get a bank loan and they declined me straight away, i might have to get my husband to get the loan in his name, hes the one who has a job x

I dont have a good credit rating been refused for loans and credit cards and i needed a guarantor for the mya finance so i went to my bank and they offered me a £2700 overdraft which has practically paid for my boobjob, my stepdads lending me rest but the overdraft was a massive help. Hope this helps xx

thanks very much ill see what my bank says xx

Get your husband and so someone else to apply for you as a joint application. Both must earn over £1,000 per month, and be able to prove it. FML have approved people with bad and not great credit, but they have to show the above and usually need someone else/ 2 other people to joint apply with or for them x

thanks for the advise ill try and do that thankyou x

I’m having same prob chick got another meeting at bank weds can’t seem to get good finance coz I’m part time at work!! Never thought of an overdraft tho only credit cards n loans so thanks klill25 xx

HI Jade just had this response back from the finance team

Jade, You can apply for finance with First Medical Loans; if your credit rating isn’t great you can apply with your husband as your joint applicant if he is willing to do so. We have a few new finance options available to you, if you would like to discuss; please can you e-mail your details to info@mya.co.uk & I would be happy to help.

well my husbands just tried to apply for a loan for me as i dont work im a housewife, which i must say is a bit of a joke we dont get paid because having two children three if you count my husband and the house to look after and i deal with bills and all that is the hardest job ive ever done lol, but yeah if he doesnt get this loan it will probably make his credit score worse, but i suppose if medical loans are a little bit lenient than normal loans i could give it a go, and isnt it a pain lexie im so frickin impatient x

i recently got refused for a medical loan was in the samw situation so my sister went as a joint applicant on there with me i put 1500 down aswell and then i got approved i had to send bank statements and wage slips in to them to show i was paying direct debits and was working i have got a credit card with vanquis though they approve people with bad credit but didnt want to use this because i would of paid back loads with the loan its o% xxx hope it goes well for you if they dnt approve the first time try again thats wot i did xx

how much does the joint income have to be for my bf to guarantor the finance? I have a bad history from my teens, although paying for it now! I can afford to repay just cant get a break with credit!!!! I earn around £1300 a month, making it upto £1900 as a joint, is that enough? x

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