Hello,

Opted for a car allowance and for the last 18 months been hiring a car costing £420-£500 per month (high mileage). My credit rating with Experian is 467 (very poor) although I have all greens on my file! I think it may be because a dealership I approached applied to about 4 places for car credit (without my authorisation). Any advice on who I am best approaching for credit? Need about 23k and I can always prove my allowance as it's paid into a seperate account and is at least £600 per month.