|
|
|
|
|
|
Adverse
Credit Options.
If you are here then
don't worry you are not alone, a poor or bad credit
history is not
as bad as it used to be, there are still plenty of
providers out there that are happy
to offer you products, the most prolific ones on offer
are loans, and you should
consider whether you can use one instead of a credit
card as they have lower
long-term rates than most credit cards have on offer
after the 0% period
Unless you get another and keep using 0% cards.
|
|
What
Should I do
first ?
Well the most important
thing to do is assess where you are then where you want
to be, and how to get there.
If you are not sure how your credit rating stands then
click here
to find out.
|
|
So
what can I do about it ?
Consider what you need
the credit for and it may be better to borrow some other
way.
One Possibility is changing your mortgage or taking
a loan rather than a credit card which may have a higher
interest rate
|
|
|
|
So
How bad is it ?
Your Credit rating determines
your options really, and please note that every time you
apply for a product on any site, or via any other means,
your file shows a search, having multiple searches recorded
is normal but you should still be careful about having
too many.
If you have had any CCJ's, An I.V.A or a Bankruptcy then
you have very limited choices in the UK market at the
moment.
If you need a credit card and you have the above problems
you will find that you will probably have to put down
a substantial deposit for a genuine credit card, and the
deposit does not normally count as capital either!
The most common problem at the moment is that many people
have a poor history, but are on firm ground again now
and they would like the flexibility of widespread acceptance
of a recognised card company, but they are automatically
declined because of their past history,
|
|
|
|
|
| |
|
|
|
|
|
