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    Just wanted to kno what your credit scores are like and such.
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    I got offered it for my 2nd and 3rd year of uni, no credit score
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    (Original post by Jackieox)
    I got offered it for my 2nd and 3rd year of uni, no credit score
    We all have an independent score from each of the agencies, you just don't know yours.

    Do you have like a credit card or something? Did you never use the over draft?
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    to be honest you really shouldn't be using 3k of overdraft anyway, it will be hard to pay off
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    (Original post by doodle_333)
    to be honest you really shouldn't be using 3k of overdraft anyway, it will be hard to pay off
    I'm just curious as to what it takes. My income covers everything it's just the time gap that kills it.
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    (Original post by TrojanH)
    We all have an independent score from each of the agencies, you just don't know yours.

    Do you have like a credit card or something? Did you never use the over draft?

    How do I have credit when i've never ever had a credit card or ever bought anything on finance ? =S I used it in my first year and then in my 2nd year (going into my 3rd) I used about 2k of it, but im out of it now, its just nice to have it there just in case
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    (Original post by Jackieox)
    How do I have credit when i've never ever had a credit card or ever bought anything on finance ? =S I used it in my first year and then in my 2nd year (going into my 3rd) I used about 2k of it, but im out of it now, its just nice to have it there just in case
    Direct Debit
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    (Original post by Dann.It)
    Direct Debit
    Don't have any direct debits..
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    (Original post by Jackieox)
    How do I have credit when i've never ever had a credit card or ever bought anything on finance ? =S I used it in my first year and then in my 2nd year (going into my 3rd) I used about 2k of it, but im out of it now, its just nice to have it there just in case
    You have a credit score. Like I say it's not universal and just a measure of risk worthiness and reliability on payments. Doesn't mean you have credit.

    I asked as you get the max for having. A good and high score with few irregularities so I just wanted to know what you had done.
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    (Original post by TrojanH)
    You have a credit score. Like I say it's not universal and just a measure of risk worthiness and reliability on payments. Doesn't mean you have credit.

    I asked as you get the max for having. A good and high score with few irregularities so I just wanted to know what you had done.
    I went into my bank with my dad with proof of how much student finance are giving me and proof of how much he earns. The person in the bank looked at his earnings and how much he made after tax and all the bills, then looked at my account and saw that while i'd been in my overdraft in the past i'd always managed to stay within the limit and got myself out of it, then gave me the full 3k...thats all there was to it
 
 
 
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