Hitachi Finance / Credit score

[Topspeed007]

Hi

 

I am looking to purchase a large item on finance through Hitachi Finance - around £8K on interest free.

 

Anybody have any idea as to what credit score /1000 is required to pass.

 

I have a couple of credit cards and pay more than min each month and not missed a payment - ever although 2 yrs ago did have a problem when my wife was redundant and for 3 months had an arrangement on the mortgage, since then all ok - no probs at all.

 

Many thanks

 

Topspeed

[BRIGADIER2JCS]

Check your credit reference files Credit Expert (Experian) and Equifax have 30

day free trials the entries will show how you will likely be considered for credit.

Many things other than ''the mystical'' credit score affect credit decisions the score

is just a day to day personal indication as to how any application will be seen.

[Topspeed007]

thanks for your quick response. I have checked this out and can see a- the arrangement 2yrs ago on file and b my credit score from Equifax which is out of 1000.

 

What I am after is what this score needs to be to pass credit

[BRIGADIER2JCS]

The '' score'' is very minor part of the decision 800/1000 good to

excellent from one CRA 400/600 fair to good on another often

the CRAs ''scores'' vary wildly.

So score of 800 plus would indicate that you are a good candidate

for creit.