S
Stu72
Guest
Hi folks,
I'm currently on the lookout for a (small) personal loan but I don't have very good credit.
I took out a loan with BOI in 2005 & missed 6 payments - as there was insufficient funds in my account to repay because a few months after I received the loan I was out of work.
As far as i'm aware I haven't missed any payments since the last time - August 2006.
However, even though i have kept up regular payments I have heard that I would still have a bad credit rating.
I applied for a loan with my bank PTSB & Blue Cube - early last year but I was refused.
Are there any lenders that would approve me a loan as I don't want to keep applying & getting refused (loan applications go on your credit rating as far as I'm aware??).
I'm currently on the lookout for a (small) personal loan but I don't have very good credit.
I took out a loan with BOI in 2005 & missed 6 payments - as there was insufficient funds in my account to repay because a few months after I received the loan I was out of work.
As far as i'm aware I haven't missed any payments since the last time - August 2006.
However, even though i have kept up regular payments I have heard that I would still have a bad credit rating.
I applied for a loan with my bank PTSB & Blue Cube - early last year but I was refused.
Are there any lenders that would approve me a loan as I don't want to keep applying & getting refused (loan applications go on your credit rating as far as I'm aware??).