Help with loans in english, debt consolidation

[Joanna93]

Hello, sorry for English, but I need to write in English because my Swedish is not good and maybe something could be lost in translation. As a newcomer I didn't quite support all the corners about lending money in Sweden. So now I have one bad credit remark at UC and I would like to explore my options on gathering all my debts. The problem is that I'm waiting for my permanent employment in the same company where I've been working for almost 2 years and where I had permanent employment for a few months last year. My annual income for last year was 242,000, my score on UC is about 24 so my question is and how to take a collective loan (200,000 kr), maybe with my husband as collateral ?! Ps, I don't want him to take a loan on himself because we are planning to take one for the house.

 

[Dukemo]

1. Do you have other loans or credits visible on your UC registry? Creditcards that are heavily used in terms of % of the total sum can be quite damaging to your overall score.

2. Have you applied to many loans in the past year? If you have a lot of requests for your credit history on your UC (requests lasts for 1 year), that implies that you may have money-problems and can ruin your score.

3. When you say "bad credit remark", are you referring to a "Betalningsanmärkning"? If so, that is definitely the reason for your bad score and it can be difficult getting a loan, especially if it's a fresh one (past 6-12 months). If you manage to go down under 20%, you could send an email to https://www.balanzia.se/ as they tend to be a bit more accepting of sub-optimal credit scoring.

4. Do you have what we refer to as SMS-loans? If you don't have any and your Bisnode-score is untouched, you could go for https://www.wastgotafinans.se/ as they use Bisnode instead of UC as their credit check. The loan will still be presented on your UC registry but they don't use UC for the credit check.

Good luck! As for your income, if your annual income is presented on your UC registry but you don't have that anymore, you may have to provide proof of income for the past 3 months if asked.

 

[Joanna93]

Tnx Dukemo!
For UC , I have 1 credit card used till max, one loan that is paid, and one loan on Qliro.
I have 2 requests for Zensum one from september last year and one from January. The sad fact is that I didn't even want the credit, they were just calling me all the time over the phone and I didn't know that will ruin my score
I have one anmärkningar for misskött loan that I paid out. It is registered in beginning of may

About the Bisonde, I just realized that my son made one purchase at the end of April trough it. They scored me then with 6.Other than that I have one request from 2017?!..from Telenor...I don't know if that count?!..I was checking wastgotfinans.se website and they also use Kreditz app if they want more secure info from my bank. On that app my credit rating is good (1-10, I have 5)...The only thing that is still bothering me is that they ask for fast incomes, and I still didn't get my permanent. Would it be wise to contact them just to se if I can apply and get the loan anyway. I asked my boss and she said that the bank can contact her if they want to check my employment status.
I have another question, does the amount of money on the application for loan affects my ability to get a loan (example if I ask for 150.000 for 7 years, or 300k for 10 years?)
And also I saw that Bisonde don't have the latest year report, do you know when it will be visible?