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Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants.This technique will be applied to your application for online finance.Wiggle Ltd acts as a credit broker and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Here are some of the most commonly asked questions regarding online finance. You will be sent an email to confirm the status of your application as soon as it has been processed. Once my application is approved, what happens next?

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If however, you then go on to make subsequent orders funded via online finance, then each will be treated as a new application and will be processed in the normal way. Are the goods I’ve ordered set aside for me until the approval process is complete? If your bike/order arrives damaged or a fault develops within the first 30days then you have the right to reject and return the goods. What if I still need assistance after reading the information in this section?Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded. The above listed agencies will provide details of information relating via these addresses. We source the best value finance products from providers who excel in their customer service.If you believe that the information is incorrect, you can ask the agency to correct it. Your finance agreement will be with one of the UK's leading finance houses. If my application is not successful, can I re-apply? We acknowledge that your circumstances change and just because a previous application has been refused, it does not mean that a further request will be automatically turned down. To apply for online finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income.Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies.Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. You should send a cheque for £2, made payable to the relevant company, together with details of all addresses at which you have lived over the last 6 years: You can also find out more about credit decisions by visiting the above companies' websites: Experian, Equifax and Callcredit.

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