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Male, 45 United Kingdom
chelmsford, United Kingdom
3,154 mi from you
Erotic chat/email, A discreet relationship, Casual sex, A long term relationship, Friends
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Monday, December 8, 2008
By Martin, 07/12/2008
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
MYTH 3: It's all about risk
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