credit rating low due to not much credit cards but no defult but want fiancee

[stevejohness]

so as I said low credit rate

due to not much credit I taken out

no defaults

but would like a budget recommendation I could get fiancée on

basically looking to get a pc that I could play gta v and battlefield 4 and modern day games on

would like no stutter or lag

so something that will run all games for for the next year and both on

no stutter or lag

any help would be greatfull

its mainly for games

 

[keynes]

What is the maximum you are willing to spend?

 

[mantadog]

it's impossible for us to say what you are likely to get on finance, every case is take on its merits and we have no information to go on.

For a rig like that you will be looking to spend £800 on the low and up to about £1200 on the higher end.

 

[stevejohness]

ok we ll go for the 1200

 

[SlimCini]

Case
COOLERMASTER CM690 III ADVANCED CASE
Free Item
CM Storm Pitch Gaming Headset
Processor (CPU)
Intel® Core™i5 Quad Core Processor i5-4690 (3.5GHz) 6MB Cache
Motherboard
ASUS® H97M-E: Micro-ATX, LG1150, USB 3.0, SATA 6GBs
Memory (RAM)
8GB KINGSTON DUAL-DDR3 1600MHz (1 x 8GB)
Graphics Card
4GB NVIDIA GEFORCE GTX 980 - 1 DVI, 1 mHDMI, 3 mDP - 3D Vision Ready
1st Hard Disk
120GB Samsung 840 EVO SSD, SATA 6Gb/s (upto 540MB/sR | 410MB/sW)
2nd Hard Disk
1TB WD CAVIAR BLACK WD1003FZEX, SATA 6 Gb/s, 64MB CACHE (7200rpm)
1st DVD/BLU-RAY Drive
24x DUAL LAYER DVD WRITER ±R/±RW/RAM
Power Supply
CORSAIR 550W VS SERIES™ VS-550 POWER SUPPLY
Processor Cooling
Super Quiet 22dBA Triple Copper Heatpipe Intel CPU Cooler (£19)
Sound Card
ONBOARD 6 CHANNEL (5.1) HIGH DEF AUDIO (AS STANDARD)
Wireless/Wired Networking
10/100/1000 GIGABIT LAN PORT (Wi-Fi NOT INCLUDED)
USB Options
MIN. 2 x USB 3.0 & 4 x USB 2.0 PORTS @ BACK PANEL + MIN. 2 FRONT PORTS
Power Cable
1 x 1 Metre UK Power Cable (Kettle Lead)
Operating System
Genuine Windows 8.1 64 Bit - inc DVD & Licence (£79)
Office Software
FREE 30 Day Trial of Microsoft® Office® 365
Anti-Virus
BULLGUARD INTERNET SECURITY - FREE 90 DAY TRIAL
Warranty
3 Year Silver Warranty (1 Year Collect & Return, 1 Year Parts, 3 Year Labour) (£5)
Delivery
STANDARD INSURED DELIVERY TO UK MAINLAND (MON-FRI)
Build Time
Standard Build - Approximately 7 to 9 working days
Quantity
1

Price: £1,202.00 including VAT and delivery.

Unique URL to re-configure: http://www.pcspecialist.co.uk/quotes/intel-haswell-pc/wp3NBmEzQW/

 

[mantadog]

The above looks ok. Perhaps going to the 'top spec' configurator and getting the z87-a would help keep it more upgradable in the future, but overall it looks ok.

 

[SlimCini]

Yup... could add another £90 to that build to upgrade to the Z-97A (or gigabyte Z97X) and a 850W PSU to allow future upgrades (ie. a second 980) if you wanted.

 

[keynes]

Yup... could add another £90 to that build to upgrade to the Z-97A (or gigabyte Z97X) and a 850W PSU to allow future upgrades (ie. a second 980) if you wanted.

Didn't get the title until Mantadog mentioned the finance option. Low credit rating I would say it would be difficult to get accepted. Probably better to get a credit card and a cheaper build with just the essentials

 

[Hugh]

Probably better to get a credit card and a cheaper build with just the essentials

Speaking from experience (I was made redundant 3 times in as many years) my credit rating is shot for the next 12 months due to Vodafone deciding to put a Default on my file. It's pretty easy to get a really crappy credit card, and so long as you pay it off in full every month (and don't have PPI), they shouldn't charge any interest. If you use 50% or less of the credit limit, this will reflect good management of your revolving credit. However, the starting limits on such cards can be so low that it wouldn't be sufficient to buy a PC on. Additionally, the rate will be extortionate. After about 3 or 4 months, you should see your credit rating improve significantly. If you can stand to wait, you should be able to get the credit you want at a decent rate.