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Monday, December 8, 2008

By Martin, 07/12/2008

IT'S myth-slayer time for credit-and I'm going into battle so you know exactly where you stand.

So let me make it plain-you DON'T have a credit rating. And, like unicorns or dragons, credit blacklists DON'T exist.

Yet you DO have a credit FILE, and with the crunch biting, check what they're saying about you NOW.

This is especially important as this week credit reference agencies have new information on you that will hinder those looking to play the system. Luckily there's a loophole so you can check your file for FREE

But first, let's separate legend from reality.

MYTH 1: You have a credit rating

The Truth. Whether for loans, mortgages, contract mobiles or credit cards, every company calculates its OWN credit score system to see how you match up against its perfect customer wish-list.
These systems are NEVER published and aim to PREDICT your behaviour based on your history. They decide both if you'll be accepted AND what rate you'll pay. Outrageously, they don't have to detail why you're rejected.

MYTH 2: You're on a blacklist

The Truth. It may feel like a list dictates who's good and bad, but that's because while scoring systems work differently, most knock out bad risks. Yet, if you're medium-risk, don't assume rejection by one means rejection by all. Different priorities mean diverse acceptance criteria.

MYTH 3: It's all about risk

The Truth. It's PROFIT that counts. It's so critical I'll shout: "Even good risks get rejected because they won't make the bank money!" Banks CHOOSE customers for THEIR own good. The perfect bank customer is always in debt, making minimum repayments, and constantly paying interest. If you always repay in full, you're not giving them anything. If they can weed you out, you may be rejected.

It's more than just that, though. They may advertise a great bank account deal in the hope of luring new customers to flog 'em mortgages, then score on how desirable a mortgage, NOT bank, account customer you are.

Posted at 1:14pm (MST) | No Comments (0) | Add Comment | Report Post
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