ven2112 wrote:
worried i cant get credit

You'd be surprised, my credit rating is shocking. £9k owing on a credit card, overdraft at the bank, earnings low enough to get working tax credit, doing a soft search for loans showed I wasn't eligible for any, none of the card companies would let me transfer my debt to an interest free card.
Yet managed to get a car on finance through Cab Direct no problem. All they wanted was a couple of bank statements (which showed I was £2k overdrawn) and some household bills for id. I think it's easier to get car finance than an ordinary loan because if there's any problem with the repayments they can easily just take the vehicle back off you.
Nowadays it's not so much your credit rating that counts but your affordability rating, how much spare cash you have after all your outgoings that count. Even though I have a fair bit of debt I still had more than enough to cover the monthly repayments. What really kills your chances is if you've missed any card payments or not paid utility bills etc., the biggest though is having had a payday loan from the likes of Wonga.