Other things to be aware of are missed payments for personal loans and things such as credit cards. More factors to be careful with are potential returned Direct Debits, which could show a lender you are not consistently reliable, and not disclosing loans at application stage, as it won’t look good if the lender finds outgoings on your bank statements that you failed to mention. One of the things they’ll be looking at is if there are any overdrafts. Using this every so often is not necessarily a bad thing, but if you are exceeding your limit on a regular basis, this is going to put your level of trust into question. Well as mentioned above, they need to know you’re being responsible with your finances. What will they actually be looking for? What might flag up in their eyes?
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