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The Things That UK Lenders Like to See on Your Credit File, (and? What They Don?t Like to See!)
Lenders are quite fussy about what they like to see on your credit report. So much so that you will have a hard time to meet their high expectations. But what exactly are they looking for? In this article we take a look at one aspect of your credit history that lenders have a keen eye out for.
Most revolving loans, loan accounts and credit cards will show a monthly payment pattern describing your history for up to 6 years, although often only the last 3 years are visible on your credit history. Usually a revolving credit account or credit card account will be shown as a row of numbers, each one representing a single payment month. Often '0' is used to show - on time, '1' is used to show 30 days late, '2' - 60 days late, and so on through to 9, which is generally indicating an account that has been written-off or sent to a collection agency. You should note that different credit reference agencies employ different codes but the agency concerened will normally give you a full explanation of the codes used.
As an example a well kept credit card should look something like this:
0000000010000121211001000000000000011000000100000
Even though some payments were late the card is generally well kept - lenders don't normally expect perfection so the above example looks pretty good.
Conversely a bad credit card might appear something like this:
0001234110012212341110001231113334456789999999999
Notice that even at the start the card was maintained erratically and unreliably, often falling into arrears. Eventually this lead to the card becoming delinquent and written off. Lenders don't like to see this at all.
Having credit cards and using them regularly and wisely, shows the lender that you are a model borrower. You are likely to be awarded around 50-100 bonus points for every loan or credit card that has been well maintained and/or paid back on time.
Jack Miles, Author of "The Complete U.K. Credit Repair Guide", produced the guide to help people restore a poor credit rating and enjoy the benefits of good credit. The guide shows subscribers step by step how to repair bad credit history, how loan application forms are scored, how to remove court judgments (CCJ's) and also how to best fill apply for loans to gain the best chance of approval.
For more information please visit The Complete UK Credit Repair Guide at http://www.creditsecrets.co.uk
This article is Copyright 2005 Jack Miles.
Reprint Rights: This article may be reprinted only in full (unedited), and complete with author's name and active links. All other rights reserved.
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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.latimes.com/news/local/la-fi-creditunions12-2008oct12,0,938332.storycid=1256110151ei=sWvxSP31LILg6AOD_I2-Bwusg=AFQjCNHCKu1-2lzpYg3-iOOdGRWtSZsEKAFinancial troubles spread to bcredit/b unions/abrfont size=-1font color=#6f6f6fLos Angeles Times,nbsp;CAnbsp;-/font nobr5 hours ago/nobr/fontbrfont size=-1By E. Scott Reckard, Los Angeles Times Staff Writer It#39;s not just giant banks on the brink these days: Losses are clobbering nonprofit bcredit/b unions that b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.boston.com/business/articles/2008/10/10/in_tumultuous_financial_times_credit_unions_might_be_an_option_to_considercid=1256110151ei=sWvxSP31LILg6AOD_I2-Bwusg=AFQjCNF769XbJI5IObSM_jISFy8PZT1YTQIn tumultuous financial times, bcredit/b unions might be an option to b.../b/a font size=-1 color=#6f6f6fnobrBoston Globe/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.jacksoncountychronicle.com/articles/2008/10/10/opinion/03letchrisinger.txtcid=1256110151ei=sWvxSP31LILg6AOD_I2-Bwusg=AFQjCNH6HErkzvJxrmt_jgoQ9WOrnhqBdQLETTER: Your money is safe with bcredit/b unions/a font size=-1 color=#6f6f6fnobrJackson County Chronicle/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.fayobserver.com/article%3Fid%3D306916cid=1256110151ei=sWvxSP31LILg6AOD_I2-Bwusg=AFQjCNFzAJqTigInNTmah3mMnc-gi-4rFgFeds insure bcredit/b union deposits/a font size=-1 color=#6f6f6fnobrFayObserver.com/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1256110151hl=ennobrall 9 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.ctv.ca/servlet/ArticleNews/story/CTVNews/20081011/g7_meeting_081011/20081011%3Fhub%3DCTVNewsAt11cid=1253303955ei=sWvxSP31LILg6AOD_I2-Bwusg=AFQjCNFtOARC57oVHJhNZ4d8jSpCUnCUYQimg src=http://news.google.com/news?imgefp=Q57QzBgGtuYJimgurl=images.ctv.ca/archives/CTVNews/img2/20081011/160_ap_G7_081011.jpg width=80 height=60 alt= border=1brfont size=-2CTV.ca/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.ctv.ca/servlet/ArticleNews/story/CTVNews/20081011/g7_meeting_081011/20081011%3Fhub%3DCTVNewsAt11cid=1253303955ei=sWvxSP31LILg6AOD_I2-Bwusg=AFQjCNFtOARC57oVHJhNZ4d8jSpCUnCUYQIMF endorses G7 plan to fight global bcredit/b crisis/abrfont size=-1font color=#6f6f6fCTV.ca,nbsp;Canadanbsp;-/font nobr1 hour ago/nobr/fontbrfont size=-1The International Monetary Fund is backing a plan by Canada and the other G7 countries to fight the worldwide bcredit/b crisis, which continues to play havoc b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.youtube.com/watch%3Fv%3DbS1sM6eNhHIcid=1253303955ei=sWvxSP31LILg6AOD_I2-Bwusg=AFQjCNGqx9uubY64x2DR8JJWk4rV2tezFAVideo: IMF: Timing right for G7/a font size=-1 color=#6f6f6fnobrReutersVideo/nobr/fontobject width=448 height=356param name=movie value=http://www.youtube.com/v/bS1sM6eNhHI/paramparam name=wmode value=transparent/paramembed src=http://www.youtube.com/v/bS1sM6eNhHItype=application/x-shockwave-flashwmode=transparentwidth=448height=356/embed/objectbr/fontfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://afp.google.com/article/ALeqM5gYSPEQ9jgivL4Nxvi9aWHVFxePjAcid=1253303955ei=sWvxSP31LILg6AOD_I2-Bwusg=AFQjCNHohANqTmfIubDr3XJZY0J9xQ73WwPress demands some G7 bcredit/b crunch punch/a font size=-1 color=#6f6f6fnobrAFP/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.kxmb.com/News/284670.aspcid=1253303955ei=sWvxSP31LILg6AOD_I2-Bwusg=AFQjCNEsEbpyslLckXVWUKzp5G9ggZDSFAbCredit/b crisis meetings...Stimulus bill...Baseball playoffs b.../b/a font size=-1 color=#6f6f6fnobrReiten Television KXMB Bismarck/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/newsOne/idUSTRE4964TN20081009cid=1253303955ei=sWvxSP31LILg6AOD_I2-Bwusg=AFQjCNFdvD7I4pKsV1ye45u_awclb0U5qwnobrReuters/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.forbes.com/afxnewslimited/feeds/afx/2008/10/08/afx5524934.htmlcid=1253303955ei=sWvxSP31LILg6AOD_I2-Bwusg=AFQjCNGdocqqHl5k7KShfSJx-u-qTxa8jwnobrForbes/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1253303955hl=ennobrall 1,753 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.kval.com/news/business/30702319.htmlcid=1255632570ei=sWvxSP31LILg6AOD_I2-Bwusg=AFQjCNH3HiKV04LldGpkcAciBG_iRE3DAgimg src=http://news.google.com/news?imgefp=8gLU7UqLkL4Jimgurl=media.kval.com/images/080428_GM.jpg width=80 height=60 alt= border=1brfont size=-2KVAL/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.businessweek.com/investor/content/oct2008/pi20081010_861090.htm%3Fchan%3Dtop%2Bnews_top%2Bnews%2Bindex%2B-%2Btemp_investingcid=1255632570ei=sWvxSP31LILg6AOD_I2-Bwusg=AFQjCNFFuNKAQDuGTKtFG-k_Zw0jr7bPPQStocks: Buyer Beware/abrfont size=-1font color=#6f6f6fBusinessWeeknbsp;-/font nobr23 hours ago/nobr/fontbrfont size=-1The future direction of the ISM PMI is relevant to both the US economy and underlying corporate bcredit/b conditions. Standard amp; Poor#39;s Market, bCredit/b and Risk b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/rbssFinancialServicesAndRealEstateNews/idUSL959093820081009cid=1255632570ei=sWvxSP31LILg6AOD_I2-Bwusg=AFQjCNHL7Ej9SnZ7ZxFmByojLwWQJWwMrA* Samp;P cuts Wendel bcredit/b rating to junk./a font size=-1 color=#6f6f6fnobrReuters/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.forbes.com/afxnewslimited/feeds/afx/2008/10/10/afx5535133.htmlcid=1255632570ei=sWvxSP31LILg6AOD_I2-Bwusg=AFQjCNGwcNWIjLbEbKF6YTmuDO8GnEg-HQSamp;P cuts 13 Russian financial institution outlooks/a font size=-1 color=#6f6f6fnobrForbes/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601086%26sid%3DaAX44aChK8rM%26refer%3Dnewscid=1255632570ei=sWvxSP31LILg6AOD_I2-Bwusg=AFQjCNGqp4MO5VUxoOIdEd_WtG3krTzcawAracruz Debt Rating Cut by Samp;P; $1 Billion Loss Cited (Update1)/a font size=-1 color=#6f6f6fnobrBloomberg/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/sp-revises-us-life-insurance/story.aspx%3Fguid%3D%257BB2CE600F-7446-405D-A6B5-A6DD3C1BDAD4%257D%26dist%3Dmsr_1cid=1255632570ei=sWvxSP31LILg6AOD_I2-Bwusg=AFQjCNEzXZD9lXLFUbGaQreeBaH9-3ExSwnobrMarketWatch/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bworldonline.com/BW101008/content.php%3Fid%3D054cid=1255632570ei=sWvxSP31LILg6AOD_I2-Bwusg=AFQjCNFmgrXweLTY22NUxh1qaKEz18o2hAnobrBusinessWorld Online/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255632570hl=ennobrall 234 news articles/nobr/a/font/div/font/td/tr/table
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credit - Google News
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