Bad Credit

Unstable address history. Recent employment or self-employment and periods of unemployment. Over credit card limit and late on mortgage, loan repayments. Recent or current late payments, defaults or repossession registered. Recent County Court Judgements, Discharged from Bankruptcy.

Poor Credit

Unstable address history. Recent employment or self-employment and periods of unemployment. Over credit card limit and late on mortgage, loan repayments. Recent or current late payments or defaults. Recent County Court Judgements.

If you have a bad or poor credit rating, one of the key challenges for some is to build a credit history - it's not easy if no one will give you credit. At Pay As You Go Car Credit we can help you back to a better credit rating.

Average Credit

Frequent changes of address with patchy electoral roll record. Recent changes in employment or self-employment. More frequent credit applications. High level of debt to estimated income. Occasional late payments or credit cards over limits. Old defaults or County Court Judgements, especially of small value.

Good Credit

Resident at address for long period with electoral roll record. Home owner or long term tenant. With same employer or self-employed for long period. Long credit history with mortgage, loans and credit cards. Infrequent credit applications. Credit with few missed payments, defaults or County Court Judgements.

Excellent Credit

Resident at address for long period with electoral roll record. Home owner or long term tenant. With same employer or self-employed for long period. Long credit history with mortgage, loans and credit cards. Infrequent credit applications. Credit with no missed payments, defaults or County Court Judgements.