trebor901:

As i said credit score is 900 but is it something i should worry about or not?

Impossible to say, but here is my "mint" advice. If you paid for your "credit score" then IMHO you have wasted your money. Your "score" is not a good indicator of success because it takes no account of either earnings or non-credit outgoings. A recent thread established that (as far as Experian is concerned) recovering from being overdrawn "quickly", I think that means in less than a month, is not recorded on a Credit Reference Agency file. Therefore only your current account bank will be aware it occurred.

http://www.moneysupermarket.com/community/forums/t/car-finance-but-bad-address-history-47514.aspx

However you are not necessarily "out of the woods". If struggling to meet outgoings is the reason for going overdrawn, and that is evident from a combination of your credit record and from outgoings and earning declared on the car finance application form, then it is still possible that you will be declined on "affordability".

Rather than getting a "credit score" you should get your Experian and/or Equifax Credit Report (£2ea for a Statutory report) and check thoroughly for errors and omissions.

I've just applied for finance on a brand new Vauxhall Corsa and the thing thats worrying me is the credit check. Ive got a credit score of 900 but ive got 1 bank loan outstanding with £1400 left to pay. Now around 3 months ago i went to the bank to ask to borrow more but it was declined on credit rating and the only reason it was too low was because i'd gone overdrawn the 2 months before (first times ive ever been overdrawn). Now im just worrying myself as to whether it will be accepted when they try to do it or not.

As i said credit score is 900 but is it something i should worry about or not?