Steps to sucess

Can I Increase My Credit Score?

Whether you agree to the notion or not, there is no denying that your credit score will determine the success of many of your financial transactions. Think of it like your reputation of sorts; only in digital form. It will precede you in every activity you take and can even dictate whether or not lenders […]

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Empty wallet

Does Reporting My Credit Card as Lost or Stolen Impact My Credit Score?

There is no sensation out there that sucks more for a credit card holder than realising that their card is missing. It may be because of forgetfulness on your part or somebody else actually took it from you without you noticing, the fact remains that your credit card is not where it should be: on […]

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Long road to success

What are the Best Ways to Build Up My Credit Score?

Your credit score is the sole thing that you can rely on when it comes to making sure that whatever loan or credit you apply for pushes through. Here’s the problem, though: it’s tricky to build up. It’s a bit like losing weight, really. It’s a long process that may require you to do trial-and-error […]

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Credit card cut

Does Canceling My Credit Card Affect My Credit Score?

Managing your finances often involves making hard decisions with long-standing repercussions. One of these decisions would involve calling your credit company and closing your credit card account for good. But, of course, closing a credit card is not as simple as it seems. You might wonder if the act would have an effect on your […]

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Multiple searches

Do Many Searches Hurt My Score?

Your credit score is there to give lenders an idea what risks they are taking when doing any kind of transaction with you. It’s not just lenders who would want to know your score. Even other people like potential employers, landlords, and debt collection agencies would want to know of your current financial performance. But […]

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Man behind sad face

There is an Error on My Report

Picture this scenario: You received your most recent credit report from your credit reference agency and get the feeling that something is off. Whether the ending figure is way too low or too high, the point is that the credit score as reported does not truly reflect your spending for the last few months. If […]

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Choices

Who is the best Credit Reference Provider?

Well, truth is there isn’t one. The best one will be the one that the provider of the product or service you are about to purchase with….Whoever it is that they use to perform credit checks.Lets work through an example. Lets say you will be changing your car in the next six months. You always purchase using […]

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Bandaged teddy

How to mend a battered credit score

How to mend a battered credit score So what happens if you have gotten yourself in a little pickle and you now are looking to figure out how to mend your credit score. Firstly do not turn to one of those clear your credit report agencies who claim they can clear away any negatives on […]

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Footsteps

Getting into debt is GOOD for your credit score !?

“Debt is Good”!?  Did we mistype the headline? Actually, No. By clearing off your monthly credit cards each and every month although is great does not give any indication on how well you would manage debt. When someone who is looking to provide you finance looks at your score they are none the wiser whether […]

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Woman feeling free

How to check your credit score for free

Tips to check your credit score…for freeFirstly what is your Credit ScoreEveryone in the United Kingdom who has had credit, on the electoral roll will have a credit profile. Checking what is contained in your credit report is a must-do activity as this will dictate your ability to get credit in the future. Maintaining this […]

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