Hi is there a company that offers loans despite bad credit?

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donna784

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Post by donna784 » Wed Jul 14, 2021 4:03 pm
Hi is there a company that does loans for peiople who have bad credit
So they can built their CREDIT SCORE UP AGAIN ?

Foggy

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Post by Foggy » Wed Jul 14, 2021 4:46 pm
Hi Donna. There are a lot who do ... mainly with credit cards (Vanquis, Capital One, Aqua and many others). What is your situation ? Are you in an IVA, or recently out of one ?

If you have had an IVA your credit score will not improve much until the IVA clears off the credit files, along with any defaults --- this is usually the 6th anniversary of the start of the arrangement.

Have a read here: https://www.iva.co.uk/what-does-an-iva- ... dit-record
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

donna784

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Post by donna784 » Wed Jul 14, 2021 5:08 pm
Hi Foggy thanks for your response..
Yes l in an Iva
The last payment is due
In 2 Weeks
Thankgod.
But read were they look another years payments....
From some people.

kallis3

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Post by kallis3 » Wed Jul 14, 2021 5:22 pm
They will only take an extra year if you are a homeowner with equity in your house and unable to remortgage. If you have taken any payment breaks then these will be added on at the end.

As regards new credit - try cards that do a soft search which will not impact on your credit rating to see if you are likely to be accepted or not.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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