Payday loan Debts

[mandizi]

just checked my credit file,i have a default from wonga for a loan i took out a year ago.

defaults wipe off your file six years after so i got another five to go.i couldnt care less about credit but will this default stop me purchasing a car until its off?

[dub]

not purchasing, but you won't be able to get a decent loan (including finance) or credit card for a minute

[Seymour Cake]

Just another quick 5 years to go

You should look into getting that removed

[mandizi]

Just another quick 5 years to go

You should look into getting that removed

even if i pay it off it wont go before its been on for 6 years defaults only come off if you can prove it was wrongly placed.and 2013 was a mad year fam also gotta wait for this police caution to drop off 5 years to go for that too it best not fuk with my job prospects when i come out of uni 

[mandizi]

not purchasing, but you won't be able to get a decent loan (including finance) or credit card for a minute

i can live with that as long as i dont have to go another 5 years getting around on public transport.

[Heero Yuy]

nah you'll be able to get a car on finance, the apr will be high though and you'll probably need to use a credit broker to sort it for you.

 

ie.  http://www.carloan4u.co.uk/

[dub]

yeah 'decent' was the keyword there hombre

 

I don't think even police cautions show up on CRB checks do they?

[Heero Yuy]

Ye I was replying to his first post still, should've quoted it when I replied. 

 

 

/

 

the guy who I work with had to have a CRB check for his new job and his caution didn't show up on it so I don't think so.

[imhim]

companies are so quick to fling a default on niggas credit files

 

as small as £120 they dont care

 

 

cunts

[mandizi]

yeah 'decent' was the keyword there hombre

 

I don't think even police cautions show up on CRB checks do they?

there meant to disappear 6 years after it is given but i dont know what happens before the 6 year mark.

[imhim]

before/during the 6 years mark

 

u wil find it difficult to get credit/loans

 

 

companies do not see your SCORE that is just something experian and all the other rating companies have on us ... JUST TO HAVE

 

 

all companies see is the actual info on your file... so i it says default and the next day you try to apply for a loan, there gonna ask questions/decline you etc as to why you have that default

[mandizi]

before/during the 6 years mark

 

u wil find it difficult to get credit/loans

 

 

companies do not see your SCORE that is just something experian and all the other rating companies have on us ... JUST TO HAVE

 

 

all companies see is the actual info on your file... so i it says default and the next day you try to apply for a loan, there gonna ask questions/decline you etc as to why you have that default

yeah im cool with that as long as it dont stop me getting a car. but i meant the police caution when i quoted dub.

[SLEAZE BALL]

Depends what type of dbs check they run google it

[mandizi]

a lot of contradicting stuff on there first they say it only matters if your applying to jobs involving children or valunurable people.other sources say it will come up until its spent.

[time_bomb]

just checked my credit file,i have a default from wonga for a loan i took out a year ago.

defaults wipe off your file six years after so i got another five to go.i couldnt care less about credit but will this default stop me purchasing a car until its off?

 

what did u use to check it? been meaning to check mine for ages and never have

[Wavant]

Use checkmyfile.com - It uses all the credit agencies used in the UK; Call Credit, Equifax and Experian.

There's also Noodle.co.uk which is free.

[mandizi]

 

just checked my credit file,i have a default from wonga for a loan i took out a year ago.

defaults wipe off your file six years after so i got another five to go.i couldnt care less about credit but will this default stop me purchasing a car until its off?

 

what did u use to check it? been meaning to check mine for ages and never have

 

i used experian you have to register your details and card number etc then you have to wait for a day or 2 for them to do an ID check.once that is done you will get an email saying you can log in.then boom you can view all your history free of charge just remember to cancel your subscription to the service within the month before the free trial runs out.

[dub]

Companies that you apply for loans, credit, finance, etc DO see your credit score. Employers don't give a shit about your credit.

 

Experian is the one most people use to run credit checks so they'll have the more important information.

You can get a free trial for 30 days. Quidco and Topcashback also give you around £10 for signing up.

[Meticulous]

just started my credit afresh. mortgage time soon

 

feel quite smug tbh

[mandizi]

so basically theres no advantage of me paying them that £189 i owe as i wont be buying a house in the next 5 years,nice lil short term hustle that was then fuk it lol

[imhim]

wrong

 

companies do not see your credit score

 

/

 

employers do give a shit about your credit obviously if you are applying for financial services/banking jobs and they want to know if you have SPENT or UNSPENT convictions

[Sole]

6 years for £189

What a hustle

struggle would probably be more appropriate.

[The Somalian]

Surely you can pay the £189 at £1 a week/£4.00 a month rate?

[imhim]

paying it back is not an issue (for him)

 

 

hes seeing it as why pay it back if the default is still going to be on his file affecting him

[Salamanca]

man used wonga for 2 bills, surely one of your boys could of fronted you or something