The Gamer Spark Banner

The Gamer Spark :: Other Games :: Microsoft :: - View Topic
Topic Rating: *****
Printable View

About Me:
Hi, I'm Zhuyeqing, and have 125 posts, I joined on the  . Unfortunately I am currently Offline. You can get in touch with me by going to my profile. (30th Jan 19 at 5:50am UTC)
Guarantor loans have increased massively in popularity over the last 18 months or so and it’s easy to see why. Lenders traditionally lend money to people who they know will pay them back (or at least they think will pay them back) and they do this through a mixture of risk assessment and checking against loan criteria. Now whilst this has never been much of an issue nike just do it shoes sale , in recent times (and since the advent of the credit crunch), lenders are making it much harder for people to get a loan and in some cases, getting an unsecured loan is proving almost impossible.
And that is where guarantor loans come in.
A guarantor loan allows an individual with a particularly poor credit history to get a loan even if they have been to every other finance provider in the UK and been told no. The beauty of this type of loan is that anyone who is working can apply, safe in the knowledge that they will be assessed on their guarantor’s ability to repay the loan nike metcon dsx flyknit 2 sale , not their own and that is what makes these types of loans guaranteed.
So, we have established that there is a huge market out there for loans with a guarantor, but what do the lenders look for and how do they decide who to lend to and who to decline? Below we list the top 5 reasons why a lender will decline your application for credit.
1. Too many addresses. Lenders hate this as moving around a lot suggest that there is something to hide on behalf of the borrower (even if this isn’t the case). If you do move around a lot, make sure that you register yourself on the electoral roll and get your utility bills changed into your name and new address as soon as you possibly can.

2. No active credit. You may be the most organised and credit worthy individual in the world nike metcon shoes sale , so much so that you make sure you always pay your credit card off in full each month and you never take new credit out. You may also have paid your mortgage off and in any other world, this is perfect credit behaviour. However, if you are standing as a guarantor for someone then lenders will look at your credit profile and worry that you have no active credit so how can they possibly know if you are going to pay or not as they have no track record to go on. Crazy…but true.

3. Not enough disposable income. You could have the best credit score in the world and earn ?10,000 a month but if your outgoings are ?9 nike m2k tekno sale ,500 a month then you will also be declined…even if you have never missed a single payment.

4. A new job. As long as you have not had a break in employment then you should be ok but every lender that offers guarantor loans will need to see a continuous employment history and will ask for proof if they are in any doubt.

5. No landline telephone number. This may sound stupid and petty but this is one of the biggest reasons why people get declined for a loan. Anyone can get a mobile and lenders and finance companies know this which is why they usually INSIST on a landline telephone number. If you don’t have one then you are in trouble and will probably be declined.

So as you can see, getting accepted for a guarantor loan isn’t as straightforward as you might have thought but as long as you follow these guidelines then you should be ok. Remember, never tell lies (even white ones!) because loan companies will always find out and if they do, they will immediately decline your a loan application for not being completely truthful.

Chris Davison is the owner of the UK’s specialist. You can find out more by visiting them at

SEOUL nike exp x14 sale , Jan. 19 (Xinhua) -- South Korea plans to conduct joint annual military exercises with the United States this year as scheduled despite the Democratic People's Republic of Korea's ( DPRK) call for suspension, Seoul's Defense Ministry said Monday in its annual report to President Park Geun-hye.

The "Key Resolve" command post exercise and the "Foal Eagle" field training drill will be staged in early March as planned, together with the "Ulchi Freedom Guardian (UFG)" computer-assisted simulation exercise, which tends to kick off in mid-August.

The announcement came after Pyongyang proposed to temporarily suspend nuclear tests if Washington halts its annual war games with Seoul in 2015 nike cortez suede sale , but the United States has rejected the proposal. The DPRK has called the joint military drills as a rehearsal for a northward invasion.

President Park Geun-hye said a unified Korea should be pursued based on firm security, stressing the need to expand military capability while soundly maintaining the "South Korea-U.S. allied defense posture."

Park said South Korea should urge the DPRK to "strategically" abandon its nuclear program when she received a briefing from four ministries in charge of unification, defense and foreign affairs.

The South Korean military also plans to participate in this year's Proliferation Security Initiative (PSI), scheduled to be conducted in September in New Zealand to prevent the proliferation of weapons of mass destruction (WMD) nike cortez flyknit sale , according to the report.

Meanwhile, South Korea will develop a new weapons system, called "reverse-asymmetrical" capability, to counter the DPRK's asymmetrical warfare capability such as atomic bombs and ballistic missiles nike cortez leather sale , said the report.

The reverse-asymmetrical capability includes high-energy laser beam, high-power microwave (HPM) and electro-magnetic pulse (EMP), which the military aims to develop by early 2020s.

The South Korean military has spent about 29 billion won (27 million U.S. dollars) since 2012 on research for laser beam weapons development. If deployed, the laser beam nike cortez nylon sale , which is powered by electricity, is expected to reduce missile defense costs for South Korea as it costs less than 10 U.S. dollars per shot, far lower than around 1 million dollars per interceptor missile, said the report.

The high-power microwave weapon nike cortez kenny sale , which South Kore. Wholesale NHL Jerseys China Wholesale Authentic Jerseys Wholesale College Jerseys Wholesale Nike NBA Jerseys Wholesale Baseball Jerseys China Wholesale Authentic Soccer Jerseys Wholesale Authentic Hockey Jerseys Cheap Jerseys Cheap Jerseys China Wholesale NBA Basketball Jerseys

 Printable View

All times are GMT-6 :: The current time is 7:44pm
Page generated in 5.7813 seconds
Purchase Ad-Free Credits
This Forum is Powered By vForums (v2.4)
Create a Forum for Free | Find Forums