Got Bad Credit And Need A Loan Or Mortgage?
Some Tips:
Zopa.Com
Members group together and lend
to you directly. An
interesting alternative to banks and building societies.
- Find a local credit union.
They can offer a better rate.
Type "Your area credit union"
into a search engine, and see what comes up.
Search here:
Credit unions are set up for the
benefit of the members. They exist to help poor or working class people
get access to finance, but are open to anyone. Because they are run by
the members for the members, they can offer good deals at good terms. Maybe
your local one can help you.
- The Consumer Credit Counselling
Service can help. They're the real thing, unlike a lot of debt counselling
services you see advertised:
cccs.co.uk
- Current best UK deals:
find.co.uk/loans/
find.co.uk/mortgages/
- Post your particular problem
here:
forums.moneysavingexpert.com
This forum is full of industry professionals
offering free advice.
- You can check your UK credit
rating at
experian.co.uk
equifax.co.uk
callcredit.co.uk
If you're not sure why you're being
offered such bad deals, checking your credit report is the first step.
Consider that:
-
You may not truly need the thing you
want;
-
You may be able to get a second-hand
or cheaper version;
-
There's often more than one solution
to a problem; thinking costs nothing and research costs little.
Good luck.
|
