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seamus
Apprentice
Joined: 27 Oct 2007
Posts: 5
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 Posted: 05/06/08 - 07:57 Post subject: |
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Hello! I tried to borrow an amount but I was refused. My credit score turned to be poor, and I also have a CCJ in my credit record. I've heard that some lenders would offer optional solutions. What are options for refused credit? What can I do this situation to get the money I need? Thank you!
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jethro
Apprentice
Joined: 08 Aug 2007
Posts: 6
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| Posted: 06/04/08 - 23:28 Post subject: |
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| It's not the end if you are refused once or twice. There are many lenders offering various loans and credits. When you get refused, lenders won't tell you the specific reason, but you should have an idea why that happened. You know how you managed financial actions in past and you know if you had CCJs. You could negotiate with lender if you have an explanation about difficulties in past or any information in your favor. It's possible for you to check your credit file, it's available to you, so you can correct possible mistakes. Even with CCJ in your record there are options for you. You could make deals like adverse credit cards, loans and maybe even adverse credit secured loan. There are special lenders offering these deals for consumers with bad credit scores and CCJs. Rates would not be very convenient, but at least you would make a deal for money you need. In future work on improving your credit score to avoid problems. Good luck! |
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