Hi, applied for a bank loan again after the advice from the bank the last time I tried, they said to wait another 3 months which I have done so. I have a poor credit rating and when I first looked into my credit reports was very poor... The reasons where, I had items that did not relate to myself and should not have been listed on my report. Also I was not on electrol roll until this April due to some complication. I have around £5600 with two credit cards, one vanquis the other barclaycard and £2900 overdraft. I am,currently paying each month on average £250 per month. I can easily pay the loan repayment but once again, been knocked back and said to check my credit files. I feel asthough I am going around in circles and cannot see the light
I am wanting to have a least a little spare each month after payday and thought this was the best way. Again, due to applying again this will affect my credit rate. I feel like just paying them what I can to at least have a life after pay day. Can anyone help.