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How loan companies decide to give you a loan
When you apply for a loan, it is not a simple case of the loan company saying ‘yes’ or ‘no’ on a whim – it is all down to your credit scoring.
Your credit score is a financial footprint of your credit risk – ie. whether a loan company should lend you money or whether they shouldn’t, all based on whether you are deemed as a high or low risk.
Your credit record – which is held by all the major credit referencing agencies such as Experian and Equifax - shows what credit you have had in the past (as far back as six years) as well as current commitments.
When you apply for a loan, the loan company will carry out a credit search – and will give you a credit score based on the information within your file. If you have lots of debts - and particularly if you have missed payments or made them late - you will get a low credit score.
The lower your credit score, the less chance you have of getting credit as a low credit score equals there being a high risk of you not paying your debt back on time.
It also shows whether you are on the electoral roll (which, if you are not, can affect your chances of getting credit as your home address is not ‘proved’) and any financial associations. A financial association is someone who you have been financially associated with now or in the past. It could be an ex-partner, your mum or dad or even a person who lived at your address before you did and has not been removed from your file.
If the person or people named as a financial association are not associated to you – ie. you have no joint financial obligations and the person is not living with you – then you can request that the credit reference agency have the details removed.
Keeping them on your file – particularly if they have experienced financial difficulty in the past – can have an adverse affect on you getting any credit.
When looking at approving a loan, loan companies will also look to see how much you are paying out on other existing debts – if you have lots, they may well turn you down for a loan even if your credit rating isn’t that low. This is as they may feel that you would be financially overstretched with a further debt to service.
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