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Meddelande: <blockquote data-quote="Dukemo" data-source="post: 200316" data-attributes="member: 5174">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 <a href="https://www.balanzia.se/" target="_blank">https://www.balanzia.se/</a> 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 <a href="https://www.wastgotafinans.se/" target="_blank">https://www.wastgotafinans.se/</a> 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.</blockquote>

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