Will I get credit?

Discussion in 'Community Discussion' started by thecritix, Jul 8, 2008.

  1. thecritix macrumors 6502

    Joined:
    Dec 11, 2006
    Location:
    West London, England
    #1
    My credit report (a score costs so I just go this freebee!)

    So i'm dying to know If I'll get credit on an iphone??

    Do you guys think I'll get it? (I'm a student)

    Calculations based on your credit report on Tuesday, July 08, 2008

    * You have £0 of available credit (excluding mortgages)

    * You have £300 of outstanding debt (excluding mortgages and defaults)

    * You are using 100% of your available credit

    * You have 4 credit accounts (including settled accounts)

    * You have 0 accounts overdue

    * You have missed 0 repayments in the last year

    * Your credit report has been viewed 1 times in the last 3 months and 1 times in total over the last year

    * You have 0 public information records

    * You have 0 aliases and/or financial associations

    * You have been at your current address for ** years * months (over 10 didn't wanna give all my information! to the internet))

    * You are on the electoral roll at your current address

    * You have 0 notice of correction on your credit report
     
  2. AppleMatt macrumors 68000

    AppleMatt

    Joined:
    Mar 17, 2003
    Location:
    UK
    #2
    What? This doesn't make any sense. You don't 'use up' credit, you are assessed for risk and profit, i.e. are you low risk enough and will you make them profit.

    If you have used credit before favour and haven't defaulted significantly you should get it (as, by nature of a phone plan, you're guaranteed to make them profit). Weighing in your is that you're on the electoral roll (bug winner) and the time at your current address.

    As you get older you should take it seriously, £2 invested in an Experian paper report can be quite revealing. So far, I've never been refused credit.

    AppleMatt
     
  3. r1ch4rd macrumors 6502a

    r1ch4rd

    Joined:
    Aug 5, 2005
    Location:
    Manchester UK
    #3
    I get unlimited access to all three for around £14 a quarter (Experian, Equifax and Callcredit). It's nice to be able to see it and it showed up an error on my Equifax report!

    To the OP, you will probably get credit but as you are a student (therefore not full time employed) and you have little history it will probably be at a higher rate than usual.
     

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