I will try to be patient.It was really silly to miss these payments and I really DON T WANT AFFECT my score anymore.The hic is that I really need a car and the finance companies don t give any clue on the approval before I apply,. It is like a vicious circle I don t want made any applications without approval and they don t give any approval before I apply.I am actually working since 2 years and half with the same company, I have got money to spend on my credit card and store card, I am registered on the electoral lists.

That doesnt sound too bad.  It will be a question of timing. Dont do too many searches as this can have a negative effect.  The loan companies look at more than just your score.  Your current borrowing, salary, type of employment and length of employemnt are all factors they take into consideration.  How much are you trying to borrow.  HP can be more accessible than a personal loan if you are borrowing a large amount.

 

Hello. When did you miss your payments with you credit and store card? And when was the last time you applied for credit. All I'm thinking is if it's only just recently then leave it a few months and your score should hopefully go up.

Hi everyone

What are the best companies able de finance someone  with a poor credit score(699).I never had a court judgement or debts unpaid, I just miss 2 payments with my credit card(barclay) and a store card. I don t really want made my credit score worst with refused applications. I deseperatly need to get a finance for a car.What can I do?