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I agree to the Terms & Conditions and Privacy Policy and that I may be contacted by CreditLoan® partners in regards to my loan. The standard credit score is also called a FICO Score, named after the Fair Isaacs Corporation who created the standard formula. Here is more information about how guarantor loans work and whether they are right for you. It is best to be realistic and honest at this stage so as to prevent further bad debt in the future due to the inability to make the monthly payments on this venture. A lender could choose not to extend any more credit or they could choose to do so at an interest rate that is higher than normal to help offset the higher risk. A loan won't solve all of your problems, as excessive debt is often a symptom of bad financial habits you should address.

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