Bankrupt

What is the Difference Between a CCJ, a Default, and Bankruptcy?

Dealing with debt is supposed to be a simple and straightforward matter. However, this becomes complicated if you are compelled to pay for something, especially if that comes with the full backing of the law. Things like a County Court Judgement, a Default, and Bankruptcy have their own implications and consequences. As such, dealing with […]

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Home

Can I Get a Mortgage If I Have a Bad Credit Score?

Buying a house today can be rather difficult. You might have even heard that there are factors out there that can affect the success of your application for a mortgage. One of these is your credit score. Truth be told, even people with average credit scores have a 50/50 chance of getting their mortgage applications […]

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Drowning

What Can I Do If My Monthly Contributions are Not Making a Dent on My Debt?

The best thing that could be said about debt is that it is something that most people would eventually encounter in their lifetime. For credit holders, it’s near inescapable as every transaction you make gives rise to every form of financial obligation somewhere later on. Also, it could be said that debt has the appeal […]

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Credit Repair Companies: Do They Work?

Debt and credit go hand in hand. In most cases where you find it challenging to handle your debt, you’ll also find out that your credit has been severely affected as well. Repairing your credit, then, would be a more sensible move especially if it reaches to a point that you are no longer able […]

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Different systems

Do we Have a FICO Score in the UK?

Believe it or not, there are multiple ways for your credit score to be calculated. This goes beyond how the credit reporting agencies compile data for your credit file, mind you. It’s about different programs that use different standards in order to come up with a figure for your credit score. One of the more […]

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Money

Debt Consolidation: Will It Help My Credit Score?

Debt Consolidation: Will It Help My Credit Score? It’s no secret that our credit scores are utterly dependent on a lot of factors, both within and outside our control. As for the factors that we can control, none have a bigger impact than the way we manage debt. After all, debt is inescapable when you […]

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30 sign

The One Thing That is Affecting Over 18 Million People’s Credit Score in the UK

It’s no surprise that credit scores are quite vital to any transaction that any adult in Britain makes. From applying for loans and credit to even finding a job, your credit score can determine whether that application of yours will be approved given what financial status your score implies. However, here’s the thing: that credit […]

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CreditExpert

Experian’s Credit Report and Why You Should Subscribe to It

Experian’s Credit Report and Why You Should Subscribe to It Having the right kind of information is necessary in controlling your finances. A credit report, for instance, helps you improve on your performance as a credit holder which is why it would be necessary that you have access to it whenever you have the need […]

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Documents in filing cabinet

Just How Many Types of Credit Reports Are There?

Just How Many Types of Credit Reports Are There? This can be a bit of a surprise for you but there are actually more than one type of credit report in the market right now. This could mean a lot of things. However, the most important would be that you can get a totally different […]

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Business partners

What Is CRAIN?

What Is CRAIN? It’s natural to be inquisitive with a lot of things in life. One of these, as far as consumers are concerned revolves around the way credit agencies do their work gathering and compiling information regarding our financial activities. Just how do they do it? On what grounds were they authorised to do […]

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