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.
Your result
What stands out
What does not automatically mean “no”
What would need checking properly
One thing I would avoid
Important limitation
If the pressure is active now
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.
Your request
Got it.
Paul has your details and the result from your quick check.