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I want to buy a car from online. What is a good website?
It takes 7 years for negative blemish to drop off your credit report. 10 years for bankruptcy. So if's just been a few months or couple years, then they can deny you.You'll just have to save up and pay cash or wait a few years.
I have £30k to spend on a car, which one?
Regardless of what you might be told regarding your credit repairing it is not a "quick fix". It is largely based on history rather than current status. If you have made late payments or defaulted in the past it might very well take several years of on time payments and sound financial practise to heal the wounds in your credit. Every month you pay things on time and avoid bounced checks you get ahead. Every time you are late you go back to the beginning and start again. Be leery of lenders who will take a risk and make financing available at very high rates. Those lenders prey on people with less than perfect credit and it costs you in the form of very high payments. You pay for two cars and get one !!Some places are just very picky about who they extend credit to. One of my good friends had only missed one payment like 10 years ago on a visa card. other then that his credit was flawless. they denied him because of that one blemish. Said he was a High risk. Need less to say he no longer shops at that store. Don't take it personal. just work your best to improve your credit and things will fall in to place.
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