Black Mark
Borrower perfect? How many marks is Black?
So what makes a perfect borrower?
Here are some of the gold stars would have to win to be a perfect borrower in the eyes of lenders in the main street.
You must be a homeowner in the electoral roll getting married, having your own phone line, no delays in payments on loans, pay a couple of credit card bills each month, no financial problems past, have a full time job, day in their store cards …..
On the contrary, that applicants can be denied credit?
Statistics show that 20% of applicants in the UK have had difficulty obtaining credit. Your past financial history can have a major impact on the amount that must be paid and if you will be able to obtain credit.
With no financial history can also be problematic. Lenders are unable to reassure those who have run their financial affairs without problems in the past.
Many factors are taken into account when calculating your credit score from the trivial to very severe. Examples of the latter are CCJs, defaults on a loan or bankruptcy. You may stay on your file for up to six years and make it extremely difficult for you to get a loan from high street lenders, especially when we are in the midst of a credit crunch. Naturally, it is difficult to obtain a new mortgage or mortgages if you are in arrears with their mortgage payments current.
Late payments on a loan or credit card can not be a problem, provided they do not regularly use. Recurrent delays in payment can be interpreted by lenders as a sign of financial weakness.
In short, credit problems in the past be costly for you in the future. A low credit score will allow you to order a relatively low price, while a high score means higher rates.
"Headline" rates published in the newspapers, which have a low figure in April, are not necessarily the rates that will to pay in practice. Lenders are required to promote a typical April. Although this may still seem appealing, does not mean that much applicants receive a loan at that rate, since many fall by the wayside through poor credit ratings.
You may have to approach a subprime lender or specialist if your credit is poor. Inevitably, the rate will be high, as this group of lenders need to cover their costs if you fail their payments.
A word of warning to consumers looking for a bad credit loan. Some companies in the market, "guarantee" a loan, but instead requested a fee to process your order. Never accept a verbal promise, and once you have paid the fee, the loan could suddenly become more difficult to obtain or the APR jumps several points .. Moreover, its share would be returned.
The market for subprime mortgages has increased dramatically in recent years, which has created competition among lenders. This competition has been responsible lenders that offer more realistic prices than we have seen in the past.
Insurers deal with all kinds of questions of problem loans, so they usually deal with your request sympathetically.
Andrew Paul Woodworth – Thick Black Mark
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