Back to all toolsPaul Wrensted
Have We Messed Up?

Have you genuinely ruled yourself out, or are you assuming the worst?

Answer six quick questions and separate the past problems, current problems and assumptions before you decide the answer is already no.

About a minute. No credit score. No exact income. No credit check.
Question 1 of 6

What makes you think you may have stuffed it?

Choose all that apply.

Question 2 of 6

Where are repayments now?

Question 3 of 6

In roughly the last 6 to 12 months, how often have you applied for new credit?

Question 4 of 6

What does your income look like now?

Question 5 of 6

What best describes what caused the problem?

Question 6 of 6

Has the situation improved, stayed the same or got worse?

Your breakdown

There’s something in your answers worth separating from the assumptions.

I’ll show you what genuinely matters, what may not be as fatal as you think, what still needs checking, and what I’d avoid doing next.

No booking required to see your result.

Where should we send your breakdown?

If it looks like there may be something worth discussing, Paul may also give you a quick call about what stood out. No obligation.

Your information is used to provide the result or follow-up you requested and to help Paul understand your situation. You can ask us to delete information you’ve provided. Where we no longer need to keep it, and where we’re not required to retain it, it can be deleted or de-identified.

Privacy policy Request deletion of my information

What happens if I ask for it to be deleted?

If information we’ve saved is deleted or de-identified, future tools may no longer be able to prefill your previous answers. You may need to enter those details again.

Your result
What stands out

What does not automatically mean “no”

What would need checking properly

One thing I would avoid

Important limitation

Want Paul to look at the actual position rather than guess?

This quick check cannot tell us which lender, if any, would approve an application. Paul can look at the facts behind what stood out and what still needs checking.

Not ready to talk? That’s fine. We’ll email you a short recap so you can come back to it.

Back to all tools
Your request

Got it.

Paul has your details and the result from your quick check.