Your Credit Rating Explained


Bad Credit

Unstable address history. Recent employment or self-employment and periods of unemployment. Over credit card limit and late on mortgage, loan repayments. Recent or current late payments, defaults or repossession registered. Recent County Court Judgements, Discharged from Bankruptcy.

Poor Credit

Unstable address history. Recent employment or self-employment and periods of unemployment. Over credit card limit and late on mortgage, loan repayments. Recent or current late payments or defaults. Recent County Court Judgements.

If you have a bad or poor credit rating, one of the key challenges for some is to build a credit history - it's not easy if no one will give you credit. At Pay As You Go Car Credit we can help you back to a better credit rating.

Average Credit

Frequent changes of address with patchy electoral roll record. Recent changes in employment or self-employment. More frequent credit applications. High level of debt to estimated income. Occasional late payments or credit cards over limits. Old defaults or County Court Judgements, especially of small value.

Good Credit

Resident at address for long period with electoral roll record. Home owner or long term tenant. With same employer or self-employed for long period. Long credit history with mortgage, loans and credit cards. Infrequent credit applications. Credit with few missed payments, defaults or County Court Judgements.

Excellent Credit

Resident at address for long period with electoral roll record. Home owner or long term tenant. With same employer or self-employed for long period. Long credit history with mortgage, loans and credit cards. Infrequent credit applications. Credit with no missed payments, defaults or County Court Judgements.


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In considering your application we will search your record at a credit reference agency. They will add to your record details of our search and your application and this will be seen by other organisations carrying out later searches. It is important that you give us accurate information. We will check your details with fraud prevention agencies and if you give us false or inaccurate information and we suspect fraud we will record this. We and other organisations may use and search these records to help make decisions about credit and credit related services, for you and members of your household; trace debtors, recover debt, prevent fraud, and to arrange your accounts or insurance policies; check your identity to prevent money laundering unless you furnish us with other satisfactory proof of identity. You have a right, on payment of fee, to receive a copy of the information we hold about you if you apply to us in writing. We may pass on your details to other companies to send information about the product.


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