FAQ's: Frequently Asked Questions About Credit File | Ucarfinance.co.uk
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About My Credit

About My Credit – FAQs
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Frequently Asked Questions - About My Credit

Please have a read through our extensive Frequently Asked Questions. If you have any further queries in relation to car finance, you can contact us on enquires@ucarfinance.co.uk or call us on 0330 445 5505.

Can I Apply If I Have Been Refused Elsewhere? - The short answer is yes. At U Car Finance we try our best to help people in all financial circumstances, whether you have an excellent or poor credit rating, even if you have a history of Judgements against you or Defaults and Debt plans etc... Read FAQ
Debt Management Plans - Here at U Car Finance, some lenders we work with specialise in getting people who are - or have been in DMP or DRO's - the finance they need for their new vehicle. If you are currently - or have recently been - in a... Read FAQ
Does My Credit Score Matter? - In brief, Yes. At U Car Finance, your credit score helps us determine how you have managed loan repayment and other forms of credit in the past. For example, keeping up to date with payments and paying debts on time will leave you with an... Read FAQ
I Currently Have An IVA - If you have a below average/poor credit rating or have an ongoing or resolved Individual Voluntary Arragement (IVA), County Court Judgement (CCJ), or had to default on a previous finance arrangement, it generally might be tough for you to get an approval. However, with U... Read FAQ
I Have a CCJ Credit File - If you have a below average/poor credit rating or have an ongoing or resolved County Court Judgement (CCJ) or had to default on a previous finance arrangement, you might find it diffiult to get approved for finance. You might want to consider the options you... Read FAQ
I Have An Average Credit - If your credit score is deemed as average, there is a still a decent chance you will accepted for various finance agreements. You may of fallen behind on some credit repayments in the past or - if you are a younger applicant - not of... Read FAQ
I Have Bad Credit, Can I Still Get Car Finance? - If your credit score is poor, don't feel that any application you make will be rejected. It is possible that you can encounter some problems, but these issues can be worked around. We have lenders that are especially in place to assist applicants that have... Read FAQ
I Have Defaulted On Payments In The Past - If you have a below average/poor credit rating or have an ongoing or resolved County Court Judgement (CCJ) or had to default on a previous finance arrangement, you might find it diffiult to get approved for finance. You might want to consider the options you... Read FAQ
I Have Past Bankruptcy - If you have ever been declared bankrupt then, at U Car Finance, we can still help you finance a new or used vehicle. We work with lenders who help as many people as they can from as many different circumstnces as possible get a finan... Read FAQ
I Have Very Good Credit - If your credit score is good, or even great, you shouldn't encounter many issues at all regarding finance approvals. It would also make you a reputable Guarentor for somebody else's loan, if you chose to put yourself forward. As long as you keep up-to-date with... Read FAQ
What Is A Credit Score? - If your credit score is deemed as average, there is a still a decent chance you will accepted for various finance agreements. You may of fallen behind on some credit repayments in the past or - if you are a younger applicant - not of... Read FAQ
U Car FInance
U Car Finance is one of the leading UK Car Finance Brokers, we are dedicated to giving our customers the best service as possible. We accept people who have been refused elsewhere, people with good credit, bad credit and people with no credit history at all.

Our Address

U Car Finance
208 Victoria Street (Ground Floor)
Oldham, OL9 0DA
United Kingdom

Opening Times
Mon-Fri: 9.00 am - 7.00 pm
Saturday: 9.00 am - 5.00 pm
Sunday: Closed

Our Contact Infomation

Contact us if you have any questions.

Click Here For Contact Form
Phone : 0330 223 4384
Email : info@ucarfinance.co.uk

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