Credit report and credit score advice?

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dm4dt

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Hi,
I have recently viewed my experian credit report as i am looking to get a loan to pay back my credit cards as the interest on them is meaning i cant get my balance down. I know my credit is not perfect so i thought id get my free report i was entitled to. I have approx 10 accounts, half of which are settled and the rest i am keeping up with payments but unfortunatley i got into some trouble last year paying off the cards. I have one credit card with an AP-arrangement to pay (not a default) and another card with 2 late payments 2months in a row in the early part of 2008. Although these are on my record it does show that ive kept all other accounts, store cards, phone bills etc perfectly up to date and since these blemishes all payments on the credit cards have been on time. I dont know what my credit score is as it was going to cost £15 to get the score. Is there a service where i can go and speak to someone who can advise me on my how my credit score will affect what i can apply for and the best way of gettin a loan that doesnt have a ridiculously high rate on it. My circumstances have changed since last year and with my wages i could easily prove with my payslip that i can pay back a loan comfortably every month. I dont want to just apply for loans without seeking advice as this will affect my credit score if i keep getting turned down
Any help would be greatly appreciated
Thanks
 
If you are looking for a personal loan -
banks don't do those anymore.
If you need a car put more than 20% down - money talks.

Google fico score estimator
I think bankrate.com has it on their website.
I would not pay the $15 for myfico score.
I would get experian's score for $7 bucks.

Consider saving for whatever it is you want -
we are all going to have to learn to live this way from now on.

Of course get your credit reports for free at
annual credit report . com
any other site charges you money for something that is free
/
 
i heard that federal credit report is FREE, but it's not specified, and for some newbies, it's hard to read.

credit score analysis is different, and offered by commercial analysis agencies, they are for-profit, so you gonna pay for that score or stuff.
 
Yes, searches do affect your credit score. However, the best tip for getting round that is to apply for a few at the same time. Because Experian, Equifax etc only update every 30 days the other searches wont show up until then so neither will know about the other when you apply if you do them together.

Hope that makes sense
 
i heard that federal credit report is FREE, but it's not specified, and for some newbies, it's hard to read.

credit score analysis is different, and offered by commercial analysis agencies, they are for-profit, so you gonna pay for that score or stuff.
 
Yes, searches do affect your credit score. However, the best tip for getting round that is to apply for a few at the same time. Because Experian, Equifax etc only update every 30 days the other searches wont show up until then so neither will know about the other when you apply if you do them together.

Hope that makes sense
 
Yes, searches do affect your credit score. However, the best tip for getting round that is to apply for a few at the same time. Because Experian, Equifax etc only update every 30 days the other searches wont show up until then so neither will know about the other when you apply if you do them together.

Hope that makes sense
 
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