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Bank loan with bad credit

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Carl_T
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2011/03/30 16:57:32 (permalink)
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Bank loan with bad credit

I need to get a bank loan, something about 4-5k, i work fulltime and have all of my payslips since ive been working. But my mothers house has bad credit and i have bad credit against me from an unpaid mobile phone and a bank debt with RBS (not my bank who im currently with) they charged me for an royalties account which i never asked for and as i never used the account the £6.95 p/m added up and added up anyway..

Whats the best thing i can do? to get accepted for a bank loan ASAP

Thanks Carl 
#1

8 Replies Related Threads

    Red Bull
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    Re:Bank loan with bad credit 2011/03/30 17:06:05 (permalink)
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    Get a free trial with Experian and see what your credit rating looks like, then based on the score apply to the appropriate lender

    Festar: You can't plead poverty with 2 cars. That's like a little Kenyan chap pleading poverty with 2 packets of uncle bens rice hidden under his bed.
    #2
    Red_Alert
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    Re:Bank loan with bad credit 2011/03/30 17:15:24 (permalink)
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    No idea mate but good luck. My credit rating is 'excellent' per experien but I can't even get a grand loan.

    "I believe in taking care of myself" - Patrick Bateman
      
    #3
    swordfish
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    Re:Bank loan with bad credit 2011/03/30 17:29:20 (permalink)
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    if you join experian make sure to phone up and cancel (cant do it on line) before the free trial ends otherwise you will end up paying for a month
    #4
    Red_Alert
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    Re:Bank loan with bad credit 2011/03/30 17:53:05 (permalink)
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    Ha yeh I fell for that one years ago.

    "I believe in taking care of myself" - Patrick Bateman
      
    #5
    irdan
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    Re:Bank loan with bad credit 2011/03/30 20:11:13 (permalink)
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    Lol just seen some advert for auto-loan or something. Basically a loan secured against your car as long as no finance is outstanding.
     
    Seems a loan they will give out to anyone, but would have to be pretty desperate at 855% APR I think it was!!
    #6
    Rosc0PColtrane
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    Re:Bank loan with bad credit 2011/03/30 20:21:54 (permalink)
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    swordfish

    if you join experian make sure to phone up and cancel (cant do it on line) before the free trial ends otherwise you will end up paying for a month

    Or just pay £2 for a no nonsense messing around access.
    #7
    swordfish
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    Re:Bank loan with bad credit 2011/03/30 20:32:08 (permalink)
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    cost me £16.99
    #8
    TRAMP
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    Re:Bank loan with bad credit 2011/03/31 06:50:12 (permalink)
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    reading this thread has maybe just answered a question I keep forgetting.
    I applied to Experian about a year back and I think it was about £7 a month.....forgot to cancel and there is a small amount going out my bank each month that I couldn't remember what it was for....bet it's that!
    #9
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