Credit Rating?

I am looking into buying a new car in October but i'm not sure if anybody will give me finance or a loan with a reasonable rate of interest. I have a mobile contract which I have paid on time for the last 18 months. Also I took out credit with currys on a laptop and paid it all off on time and within the interest free period. I also have a university loan to my name. Will any of these things help my credit rating? I don't have any other debts/loans or cards of any sort. Credit ratings seem pretty backwards to me so I'm not sure if anyone would give me money with not much history. Any advice please? x

I only had a current account and hp on a TV I had no problems gettin HP on my car with Black Horse Finance at a better rate than a loan. my mate also got finance and she defaulted on a credit card! she also got a good rate. so yeah I think you have a pretty good chance. xx

Apply in Credit union so you get the best deal. I suggest you to have a credit card and limit yourself on the usage to get more points.., what about the Rent you pay? it surely adds the points

The best way to get credit built up is get a credit card buy something and pay it off each month ,even if you have the money to pay for your purchas put it on credit card ,when the bill comes pay it off I found this has built my credit faster than any thing I have ever done and if you pay good you will recieve offers on your credit cards for no interest so you don,t have to worry about paying interest.

Pull out your credit reports, and it might turn out that you鈥檙e fine and don鈥檛 have to do nothing at all; well, except continuing pay your bills on time.
I would advise (UK) :
www.checkmyfile.com
and get the 3 of them, as the info on them might complement each other.
Once you鈥檝e got all the credit information about yourself, then start to worry about it, if there鈥檚 a need.

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i would get an up to date credit report and if all is ok on that then you should have no problems. you have been a good reliable payer in the past so good luck

Hi

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