Credit rateing, for a desktop.

[bragor]

I am 18, and i havent used credit rateing ever, as far as i know, i used to pay some thing's monthly, like suscriptions, a nd payed them on-time, i have a job, with a salary of about 1100GBP every month, and i want to buy a desktop, for 1200GBP with the 9 month monthly contract, would i be accepted for the credit check?

 

[FOX76255]

It's very hard to say based on the info you provided.
Finance companies rely on many details that you will need to specify in certain forms that you fill out.
Usually, it takes about 1 minute to specify whether you're eligible for a finance but, if I were you, I'd expect finance decision to be 'referred'. But don't sweat - in most cases you'll get an answer on the next working day.
Nonetheless, I'm afraid I can't tell you if the answer will be yes or no.
I got a yes on the finance option I used to buy a desktop from PCS, although it did cost me ~930.

 

[Rakk]

To be honest, only trying to get it will tell you whether they will accept you or not.

Without knowing your full background (which you should not post on any forums for your own protection) and without knowing the finance companies own rules for working out such things, no-one on the forums will be able to tell you whether you will be accepted or not given what information you have provided.

 

[Kalisnoir]

Im 19 (Was 18 when I got finance) and I only get £800 a month (Apprenticeship) however, I was accepted for a £1700 PC on the buy now pay in 12 months plan.

Hope this helps

 

[Gorman]

The only way to be sure on things like this is to be familiar with your credit rating. There are several companies in the UK which are used for credit checks by finance companies and retailers and most of them offer a credit rate checking service, for a fee of course.

 

[bragor]

i have tryed for a fee to see my credit rateing, it says dont have any records for my name, meaning i havent used credit before

 

[Rakk]

i have tryed for a fee to see my credit rateing, it says dont have any records for my name, meaning i havent used credit before

If they can't even get a credit score for you, I suspect the finance company will just say no, though I could be wrong.

 

[Tysuro]

Wouldent it be easier to just save up and buy it in one go? I hate the thought of having to pay for something on finance it's horrible lol.

 

[Gorman]

no credit rating pretty much = bad credit rating.

I would not take this as a good sign!