I need about £80K
for an extension and new kitchen
( sporters I’m sincerely gratitude to you, Thu 7 Mar 2013, 10:52, 2 replies, latest was 12 years ago)

I did a budget last night.
I have total debts of about £5.5k I'm not happy about this.
(PsychoChomp, Thu 7 Mar 2013, 10:53, Reply)

£447K worth of mortgages
£25K loan
£5K credit cards
( sporters I’m sincerely gratitude to you, Thu 7 Mar 2013, 10:54, Reply)

That's what pisses me off. My total debt is tiny, but I applied for a credit card last night and it was rejected.

(PsychoChomp, Thu 7 Mar 2013, 10:55, Reply)

Credit scoring is odd
My mate runs a property company has £2 million worth of debts but property now worth £5 million. His credit rating is 999 as the companies just want to know if you can pay and he can
( sporters I’m sincerely gratitude to you, Thu 7 Mar 2013, 10:57, Reply)

Most banks have a service that helps build credit ratings.
Have you tried that?
(Set your faces to Stunned Bigly, Thu 7 Mar 2013, 10:58, Reply)

Really?
How does that work?
( sporters I’m sincerely gratitude to you, Thu 7 Mar 2013, 10:59, Reply)

You save this amount a month.
Then when you've saved it they loan you the ammount you've saved and you pay it back every month from the savings and shit.
(PsychoChomp, Thu 7 Mar 2013, 11:02, Reply)

Interesting

( sporters I’m sincerely gratitude to you, Thu 7 Mar 2013, 11:02, Reply)

different for every bank though.

(PsychoChomp, Thu 7 Mar 2013, 11:04, Reply)

My problem is I've just changed mortgage and bank account
...and massively increased my borrowings.
( sporters I’m sincerely gratitude to you, Thu 7 Mar 2013, 11:04, Reply)

To be honest I thought my credit rating was ok until I just tried.
Might just be due to me just moving but I'll have to look at my files.
(PsychoChomp, Thu 7 Mar 2013, 11:05, Reply)

If you're not on the electoral roll for the address you used to make the application then you'll automatically be declined.

( Fucking hell Jeff I am not a robot, Thu 7 Mar 2013, 11:09, Reply)

FFS
I forgot about that.
What
a
retard.
(PsychoChomp, Thu 7 Mar 2013, 11:11, Reply)

*pause*
Ohhhhhhhhhhh
( Kroney, Thu 7 Mar 2013, 11:13, Reply)

What are 'debts'?

( Theoban What of it, Thu 7 Mar 2013, 10:58, Reply)

122K left to pay for my flat.
Other debts: c55k
( Monty Boyce, My cheese game is strong, Thu 7 Mar 2013, 11:01, Reply)

HAHAHAHAHAHA

( Monty Boyce, My cheese game is strong, Thu 7 Mar 2013, 11:02, Reply)

pussy
Get proper debts
( sporters I’m sincerely gratitude to you, Thu 7 Mar 2013, 11:02, Reply)

I'm letting the side down badly here

( Monty Boyce, My cheese game is strong, Thu 7 Mar 2013, 11:03, Reply)

Buy that solid gold Jimi Hendrix bust you were after

( sporters I’m sincerely gratitude to you, Thu 7 Mar 2013, 11:05, Reply)

Imma buy that Fillmore West door, how much was it, 2 million USD?

( Monty Boyce, My cheese game is strong, Thu 7 Mar 2013, 11:07, Reply)

Offer 3 just to make sure

( sporters I’m sincerely gratitude to you, Thu 7 Mar 2013, 11:08, Reply)

Currently just under 4 grand, here.
Which is way more than this time last year, but nowhere near as much as it'll be in three years' time.
( Kroney, Thu 7 Mar 2013, 11:03, Reply)

No debts. None.
But that doesn't make my credit rating that great.
(Set your faces to Stunned Bigly, Thu 7 Mar 2013, 11:09, Reply)

It's a little odd how you have to have debts to have a good credit rating.

( Kroney, Thu 7 Mar 2013, 11:14, Reply)

Exactly.
I could service all manner of debt but some institutions are reluctant to lend because you don't have a history of paying it back.
(Set your faces to Stunned Bigly, Thu 7 Mar 2013, 11:17, Reply)

I have £155k left to pay on my place
16k on the student loan that I don't care about and about 10k here and there. I feel like I am doing pretty well to be honest
( Peej, Thu 7 Mar 2013, 11:14, Reply)

shoulda boughta bigga housa

( Kroney, Thu 7 Mar 2013, 10:53, Reply)

This is true
Trouble is they cost upwards of £100K more than the one we bought
( sporters I’m sincerely gratitude to you, Thu 7 Mar 2013, 10:54, Reply)

money-grubbing ballbags, all of them

( Kroney, Thu 7 Mar 2013, 10:55, Reply)

this^
I've probably spent about £10K so far on our new house. Not trying to make any money from it as I intend to move out in a casket.
( sporters I’m sincerely gratitude to you, Thu 7 Mar 2013, 10:56, Reply)