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25th September 2009
Whatever you’re looking at, it always makes more sense when you can see the whole picture. When it comes to managing your money a credit report can help to fill in some of the pieces.
You credit rating plays an important role in financial matters an... Read >
Author: Adam Singleton01st September 2009
As with any form of credit, debt consolidation loans may well be harder and/or more expensive to obtain during a credit crunch - particularly for people who have a poor credit rating - as lenders are being more careful with their money.
So why might yo... Read >
Author: JadeSamuals31st August 2009
There are three credit reference agencies in the UK, Callcredit, Equifax and Experian. When you apply for credit potential lenders can conduct a credit search with these companies to determine if you are credit-worthy or not.
These credit reporting com... Read >
24th August 2009
During a credit crunch, many types of credit (from car loans to debt consolidation loans) can be both harder to access and more expensive, as lenders are taking fewer risks with their money. This can make things difficult for would-be borrowers - especial... Read >
Author: Sally13th August 2009
During a credit crunch some forms of credit, such as debt consolidation loans, may be more expensive and/or harder to obtain. This may be because lenders are taking fewer risks with their money, or because of the limited availability of credit. However, i... Read >
Author: Susan Chalmers03rd August 2009
Perfect credit history required
In the current uncertain climate, many card providers have introduced increasingly stringent criteria when assessing applicants, and are now reserving their top deals for those with excellent credit scores - a situation ... Read >
Author: Robert Palmer31st July 2009
Maybe you are just intrigued as to what financial providers see when they check your credit file. Well there's one way to find out - read your own credit record.
Why check your credit report?
It can explain why a lender has rejected your credit card... Read >
Author: Robert Palmer23rd July 2009
There are many processes in life that require a credit check to be carried out; loan or mortgage applications, renting a property and even applying for a mobile telephone contract. Keeping your credit rating healthy means you should not stumble upon any ... Read >
Author: Adam Singleton27th June 2009
A credit report is a record of your credit history and whenever you apply for a loan or credit, potential lenders will conduct a credit search and will have a look at your credit report in order to help them decide if you are a suitable candidate for cred... Read >
10th June 2009
It’s one of the country’s fastest growing crimes – but how do you stop someone from stealing your personal details and using them to get credit in your name? There are a number of ways in which you can help to defend yourself – and your finances... Read >
Author: Isla Campbell05th June 2009
The first step to improving your credit rating is to check your credit report. This contains the history of your credit accounts and repayment record and is one of the main sources of information used to calculate your credit score. Make sure it’s accur... Read >
Author: Andrew Regan04th February 2009
Choosing the direct marketing data list best matched to a target audience is a sure fire way of building success into a marketing campaign. Our advice will ensure your direct marketing data selections are the right choice for ensuring maximum ROI from you... Read >
Author: Nicola Brown14th December 2008
In today’s climate of credit crunch, nervous investment and the number of financial institutions that are going to the wall, it is not surprising that lenders want to cover their backs as much as possible. They need to be as sure as they can that borrow... Read >
Author: michael challiner02nd December 2008
The city of London and its neighboring places often experience influx of people from other countries, as UK offers several opportunities of living, be it education or jobs. As people move from place to place, there is always a demand for home to stay. It ... Read >
Author: Abdul Quddoos12th November 2008
As the credit crunch looms large, an increasing worry of mine is that one of my tenants loses their job and the potential ramifications for me as the landlord.
One thing that I can do to reduce the financial risks as a landlord is reference my tenants ... Read >
Author: Propertyhawk12th November 2008
As the credit crunch looms large, an increasing worry of mine is that one of my tenants loses their job and the potential ramifications for me as the landlord.
One thing that I can do to reduce the financial risks as a landlord is reference my tenants ... Read >
Author: Propertyhawk31st October 2008
With the Bank of England’s base rate being recently lowered, it has led to a general assumption that personal loan rates with lower accordingly. Surprisingly, for people who have been looking to apply for a personal loan, they have found that rates hav... Read >
Author: Rachael051805th September 2008
There are steps you can take to bump up your credit rating which will help you when it comes to borrowing money in future life. These steps are highly recommended as you will not want any inconvenience or frustration by being turned down for credit when y... Read >
Author: barryloughran@live.co.uk04th September 2008
The credit crunch has been at the forefront of most people’s minds recently and the term itself is slipping into everyday usage. But what exactly does it mean?
A credit crunch scenario lives up to its name and comes about when banks and lenders d... Read >
Author: pmcindoe13th August 2008
Prior to tackling the main body of the article, here is a number of definitions of common terms linked to the topic. Bad credit rating : When you apply for a loan, the prospective lender will look closely at your credit report to determine your credit eli... Read >
Author: Christian Ward11th June 2008
In the UK information about every financially active adult is held by three credit reference agencies, which are Experian, Equifax and CallCredit. Within these files you will find information on your personal information, such as your name, partner's deta... Read >
Author: Helen25th April 2008
The credit crunch as made things very difficult for people looking to get a mortgage. There are now fewer products available to choose from. And lenders are being choosier over whom they approve for a loan. If you have bad credit this will make things e... Read >
Author: Paul Elms07th April 2008
It started on the fringes with the failure of smaller sub-prime lenders but the problem is now spreading to mainstream banking. Following the recent news of major US investment bank Bear Stern’s dramatic emergency rescue, the growing transatlantic credi... Read >
Author: Vicky Cochrane27th March 2008
People looking to improve their credit rating should first of all familiarise themselves with their credit file. Credit reference agencies such as Experian, Equifax and CallCredit hold information about every financially active person in the UK, includi... Read >
Author: mpressman26th February 2008
Even if you have had financial problems in the past or if you are self employed it is always worth contacting a mortgage broker who specialises in non status mortgages and re-mortgages.
An independent mortgage broker has access to mainstream and speci... Read >
Author: sam lowe21st February 2008
A Bad Credit Remortgage is a remortgage where the applicants have some form of Bad Credit or Adverse credit registered against them.These types of remortgage have also been called Adverse, Sub prime or non status remortgages.
Bad Credit/Adverse can mea... Read >
Author: Alan Reed25th June 2007
Universal credit ratings and credit blacklists are nonexistent. Yes, that’s right. Each company will assess you in their own way, although logically, a bad risk for one company is an equally bad risk for another.
Your credit activity is stored by 3 ... Read >
Author: Matthew Lloyd23rd May 2007
The prime concern of any lender is to ensure that the amount loaned is received back with interest. When lenders give you the money on the basis of your income and no other security is involved, your credit score becomes an important consideration.
Yo... Read >
Author: Angelo Drew10th April 2007
It's a sad fact of life that people are often parted, never to find each other again. In the past century, the dramatic upheaval posed by certain enormous historical events - World War One, World War Two and the Holocaust among the many - has meant that b... Read >
Author: Andrew Regan19th January 2007
There are many factors that affect your credit rating from the obvious to the not so commonly known. These things will become apparent when you go and apply for secured loans, home loans, etc.
Poor debt management is the most obvious factor that will a... Read >
Author: Christopher17th November 2006
The day you open a bank account is a very significant day. It's the day you take your first steps towards financial responsibility. It's also the day that your credit report is created ? and unlike your bank, your credit report will be with you for the ... Read >
Author: Joseph Kenny04th October 2006
People seldom know why they have been turned down for credit. In fact, it often comes as a shock. Some people don't find out till they are standing in a shop with a store card application in their hands. But did you know that your lifestyle could seriousl... Read >
Author: Joseph Kenny26th September 2006
Is your credit rating good or poor? If you've recently been turned down for a credit card, store card or loan, it could be because you've paid off everything so perfectly that you have no credit history. But it's more likely to be because your credit rati... Read >
Author: Joseph Kenny21st March 2006
A home is not just a four-walled shelter; but for most of us it's a long cherished dream. It's a place where you treasure your fondest memories. You work hard each day in order to save ample funds to purchase a home that you can call your own.
Since bu... Read >
Author: Judith Earl14th February 2006
Your Credit Score
When you apply for a bank account, credit card, personal loan, mortgage or hire purchase agreement, the lender will run your application through a credit scoring system. Credit scoring works by awarding points (or deducting points) acc... Read >
Author: Russell Ware
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