minUC - Mitt kreditbetyg

[Nikke55]

Hade en kredit på 5000 kr maxad hos brixo. Betalade ner den till 0 kr. Hade 6.2% i uc och gick ner till 2.2%. Var ett test jag gjorde

 

[Dukemo]

Väldigt stor påverkan. Jag gick personligen från 30% till 11% efter att ha betalat ner 2 krediter till 40% och tredje till 0%, alla var maxade innan.

Ligger på 12.1% nu efter senaste samlingslånet och kommer nu på nästa uppdatering ha 400K samlingslån, 3 krediter till värde av 70K är nollade, ska jag plocka bort 1-2 av dom eller ses det som positivt att ha alla kvar så länge de är nollade?

 

[Lasseman]

Sant men ändå :/

Jag kan inte riktigt förstå vad som skulle vara "men ändå"? Statistiskt så är du mycket högre risk pga kreditutvecklingen, då är det väl det som ska visas?

 

[erik23]

Kan ju tycka att det borde spela roll hur stora krediterna är med.
Har du 2st kort på 100.000 vardera som är maxade så kan jag köpa att risken skjuter i höjden.
Har du 2st kort på 5000 kr vardera som är maxade så känns inte det lika allvarligt.

 

[Otilia]

Hey,

I will ask in english since I am more comfortable. I had no idea till today that there is a credit score in Seeden and that it might be affected if you ask for more than 1 loan promise so I asked for a few(4). Today I founded out this will affect my credit score si I checked it and now is 1.12% I don’t know how much it was before though but it says in the report that I have 4 requests and that is not known if they were accepted or rejected. I tend to believe they affected me quite badly since in the group I am with people that earn 6X less than zi do per year and I have 2 years data in the report and 5 years of working in Sweden. The only thing in similar eith others i. The group is 4 loans, when I actually took none. Do you know if is possible to cancel 3 of them so I keep only one to have a good score when I negociate the interest rates and if this will get automatically updated in UC score? I can’t afford to wait 6 more months do they expire. I think is really crazy they get a promise as a loan and it affects your score or st least banks need to mention that when you ask fir a promise. Ie Handelsbanken did not wanted to tell me what interest rates I could get without a loan promise..

Thanks everyone!

 

[Zaozi]

Hey,

I will ask in english since I am more comfortable. I had no idea till today that there is a credit score in Seeden and that it might be affected if you ask for more than 1 loan promise so I asked for a few(4). Today I founded out this will affect my credit score si I checked it and now is 1.12% I don’t know how much it was before though but it says in the report that I have 4 requests and that is not known if they were accepted or rejected. I tend to believe they affected me quite badly since in the group I am with people that earn 6X less than zi do per year and I have 2 years data in the report and 5 years of working in Sweden. The only thing in similar eith others i. The group is 4 loans, when I actually took none. Do you know if is possible to cancel 3 of them so I keep only one to have a good score when I negociate the interest rates and if this will get automatically updated in UC score? I can’t afford to wait 6 more months do they expire. I think is really crazy they get a promise as a loan and it affects your score or st least banks need to mention that when you ask fir a promise. Ie Handelsbanken did not wanted to tell me what interest rates I could get without a loan promise..

Thanks everyone!

No, its not possible to cancel/erase them, they expire in 12 months, not 6. What kind of loans did you apply for? 1.12 isnt a bad score. Its actually quite good.

 

[Otilia]

It was for mortgage loan so they are very high amounts each... around 3 millions.

 

[Zaozi]

It was for mortgage loan so they are very high amounts each... around 3 millions.

Well, thats not as bad as if it was for private loans. But now you know so maybe dont do more of them. Why did you do 4 btw?

 

[Otilia]

Long story and bad experience with the banks here. First I wanted to do only on SEB my bank, I did it and some friends told me Handelsbanken has better interest rates. Tried to. Figure out their rates on website and by phone and they said those are personal so I need to apply for a loan promise to get it, I did it again but I got so many errors that in the end never got it for ass but they still did the check . After I started to bid for a flat I realised thst Booli estimation was far from reality so I needed a higher credit, called SEB to change it while I was bidding and even if i told them i don’t want to lose the bid they said thry can give me a phone appointment for the change only in 1 week. I got pissed and made another one at Nordea eith the right amount . In 3 weeks I managed to change the one at SEB at every call they said is fine and afterwards they remember to ask more papers ie payslips etc. This Thursday I had a preview and made a bid higher than the other person and the seller agreed to sell it to me before the public views this weekend and the public bid, but wanted to sign on Friday. After calling SEB got an appointment at 3PM they hadn’t call back, called them again made a new appointment at 4PM they called at 4:45. While I told them I need to sign today and to tell me if they need any info/papers in advance. They said is all fine they need only the appartment addres and few more info. On call she said she needs also a valuation from the broker and well is too late today, if i send it yhey will check it ASAP. I told them I need it latest on zmonday since the seller agreed with 1 day delay but on Monday evening will be public bidding already, she said yes, but they always did. The broker agancy is working with Swed bank and told me to make s new promise with them since they will help do today desperate not to lise the flat I did one more promise till I read and article mentioning this will affect my credit score and i was like... what? Now I even don’t know if will get the appartment approved on time, which bsnk should I try to fix the issue with on Monday, how these mistakes will affect my interest rates etc. I have no experience in having a credit in the past ( my first ever) so it looks I did mistake after mistake. Since the loan promises are valud 6M I thought after that time they will dissapear this is why I asked. Also I think is fair since the banks fon’t make you aware about this loan promise risk which dies not guarantee they approve your loan in the end or in time thst if I explain they can cancel them in a way like reject the credit (still I have no idea if this will not give me even a worse score) but to be affected 1 year I find it crazy TBH, how hard is to have cancel button that will prove ai will not take money from 4 banks ...

 

[Krelf]

It's about letting other banks know that you applieed for loans, you can say that they want to see that you are not chasing loans everywere. But big loans for houses and so on aint that bad as @Zaozi Said.
And you sholud not look at the groups at uc really it's just the % thats importent.
I think they sholud have it done tomorow, in my experiens they Work quite fast when it's about house loans