What is Credit needed?

Credit needed is the level of credit history a lender wants before it says yes. A lender rated for good credit expects a stronger file than one rated fair, so the same application can pass with one and fail with another. It is a broad guide, not a score: a single missed payment or a recently opened account can move you between bands. 1822direkt, ABA Bank and Absa are all rated for good credit, so expect those lenders to look for a well-kept record. Achieve and Acierto.com are rated fair, which suits borrowers whose history is thinner or shorter.