Lenders are frightened that consumers will not manage to repay their credit/debt as a result of downturn, so they are really picky as to whom they offer credit to. IMPORTANT - It truly is vital to truly have a good credit kredyty bez bik report and excellent credit rating, than to have a very poor one, however it does not mean you will get the best credit on offer. We look into why even those who have an outstanding credit rating of 999 can be rejected for credit. What lenders consider whenever you submit an application for credit:

Financial institutions consider the following, when you make an application for credit : Whether you've just started a new job, as this can mean a feature of risk, if you are on probation for example. If you are registered on the electoral roll, together with the address on your own application, this is a basic test for identity fraud. How many people they've already accepted for a merchandise, and whether they want any more. Your credit rating including how much debt you already have in place along with your present credit limits (if they afford any more debts?) a customer has maxed-out their credit cards can)
Your payment with the bank you are making the application to (if you're an existing customer this may have a large effect).. Your application details including your income, employment status (self-employed, applied), address, age and whether you have or rent your home. Your credit score and application details are employed to create a risk assessment, which includes a special rating or score. The three UK credit reference agencies - Experian, Equifax and Callcredit These are the providers of free credit checks in the united Kingdom, they also provide a credit.