I don’t know about you, but I had no clue about my credit score. I sailed merrily through my teens and early 20s not worrying about it – hey, I’d never had county court judgements, bankruptcy, late or missed payments – in fact, I’d never even taken out a credit card. What’s the point? I had a steady job and everything I needed.

Then one day – I got a new job. It paid more and was exactly what I’d always strived for! The only problem? It was 40 miles away. My steady job paid the rent on my beautiful little house in Hull that I wasn’t ready to give up so that meant only one thing – commute time. Yes, finally time for a car and, having passed my test some years before hand but never having the need for transport until now, I had put off the purchase.

So I decided to get a car on credit and set out looking for car credit in Hull. I’d never applied for credit before so didn’t really know what to expect. However, on checking my credit rating I was surprised to discover that, even though I’d always managed my money well, my credit rating had the potential to really let me down. Always paying my bills on time had given me a big fat nothing! Nada! Zilch! This was, ironically, making me a high-risk customer – an incredibly frustrating situation to say the least.

This seemed completely unfair; I’d got my credit rating checked because I knew I wanted a one off purchase and with my new job I knew I could easily afford the repayments. Now it looked like airing on the side of caution by handling my cash-flow and refusing all those credit cards at the tills was now punishing me!

Fortunately, I was able to find reputable car credit finance experts in New Look Loans. They were professional, attentive, listened very carefully to my situation and had a bespoke offer specially to suit me and my individual situation. Everything was made crystal clear and I can now begin to build my good credit score. Not only that, I was actually able to get the car I wanted!

The team also gave me some great advice to take away with me, so not only have I improved my credit score, but I can continue to work on improving it in the future. So now I’m a very happy commuter, able to go back and two to my new job with manageable outgoings that still leave me comfortable month to month.

Of course, not all credit situations are like mine, but New Look Loans give great advice to help you understand your credit rating and help find the best ways to improve it, not only in person but also at their website too – www.newlookloans.co.uk