Quickly Understand your Credit Rating by Answering 14 Simple Questions
Your financial history will define your credit profile and will usually be classified into one of four groups: Excellent, Good, Fair and Poor credit score. The amount of money you can borrow for a new car and the level of interest you will pay will depend on your credit rating.
It is important that you understand your credit rating as this will affect your car finance options. Answer the 14 questions below to find out your likely credit rating and to understand more about your credit profile.
Question 1 of 14
Have you lived in the UK for at least the last 3 years?
Are you aged between 21 and 65?
Have you been employed / self employed for the last 12 months, and take home a minimum of £900 per month?
Are you on the voters roll?
Have you ever obtained credit?
Have you obtained credit at your current address?
Are you up to date on Mortgage payments?
Do you have any Credit cards exceeding their limits?
Have you been up to date with credit card or loan payments within the last 12 months?
Have you fallen behind on payments but are bringing them up to date?
Have you ever exceeded your overdraft limit?
Are you often overdrawn on your bank account?
Do you have county court judgements (CCJ's) that are outstanding for unpaid bills or loans?
Do you have any satisfied/settled county court judgements (CCJ's)?
What Can I Do Now?
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Improve your Credit Rating
We have created an essential guide to help you improve your credit rating. For 10 years we have helped our customers to obtain credit. The 35 page guide shares our expert knowledge to help you improve your credit rating.