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Edwin Miles. Underwriting Manager

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Get car finance but worried about address history as have moved around alot!

Hello, I have a few questions in relation to obtaining car finance. These are mainly around my recent address history.

Basically, I have been living in the same apartment since July 2013 but must have had 3 addresses in the last 3 years. I wish to apply for a car loan but with my address being on one of the many close's in Edinburgh I have problems receiving mail and it previously affected my application for a credit card (which after a phone call to query why I was at first declined, the address was rectified, I was then accepted).

Would i be in the same position with yourselves as it is an online application? I have become a member of Experian credit check and although i do not yet have the pin to be able to see my exact credit score it says i have a fair credit profile! What should i do on the application form? Please help as i need a new car to get to work!

Posted by Bradley S on

Answer.

Hi Bradley, thank you for your question and this is, in fact, quite a common occurrence!

When you submit an application to us, we need to see 3 years address history. You must place every address where you have stayed on the application so that lenders have the ability to see what credit you had and applied for at each address. This is very important.

Our address finder locates flat numbers and various quirky addresses so we shouldn't have an issue locating your current address. You just need to make sure that all of your current credit (bank account, mobile phone, loans, credit cards etc) are registered in your new address.

We have many lenders on our panel that help people with excellent, fair and poor credit profiles so we should be able to help. You can always pick up the phone to speak with us too! Please make an application and if approved, we provide a no obligation quote and you can buy a car from any dealer in the UK. Kind Regards, Edwin

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