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Cautious Consumers Are Repaying More Than Is Being Borrowed
Recent figures have shown that consumers’ repayments on loans, credit cards and overdrafts have overshadowed new borrowing by over £300m during February. These figures – provided by the British Bankers’ Association – also showed that there has been a slowdown … Continue reading
Posted in Living on a Budget
Tagged debt management, Financial Ombudsman Service, mortgages, repayments on mortgages
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What Do All Those ‘Credit’ Terms Actually Mean?
When you’re looking into getting a credit card, you will find that there are a lot of terms that have the word ‘credit’ put in front of them. This can sometimes be confusing, especially as some of the terms’ meanings … Continue reading
Posted in Credit File Reports, Credit Reference Agencies
Tagged credit, credit agency, credit card, credit cards, credit issuer, credit record, credit score, equifax, loans
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Four Reasons to Check Your Credit Report Today
Many people wonder how often they should check the credit report. In the past, financial analysts would advise looking into credit reports at least once a year. However, due to the rising cases of identity theft and the fluctuating economy, … Continue reading
Posted in Credit File Reports, Credit Reference Agencies, Restoring Good Credit
Tagged Credit history, credit reporting, credit score
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Five Great Credit Rebuilding Techniques
Bad credit is not a life sentence. Though it can be hard, rebuilding credit is possible, through hard work and consistency. Here are five great strategies to use to clear your credit report of negative information.
Posted in Credit File Reports, Restoring Good Credit
Tagged Credit bureau, Credit history, credit score, overdraft
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Do Not Be Loyal To Your Credit Cards
It is one thing you like a particular way of working, it is entirely another to feel a sense of loyalty towards plastic money. However, this would be one of the many idiosyncrasies of the digital each day.
Posted in Living on a Budget, Loyalty and Affinity Cards
Tagged credit cards, credit score, identity theft
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The Effects of Recession
The effects of a recession are both financial and psychological. Companies struggle financially, which ultimately leads to employees becoming unemployed. Psychologically and economically this can be devastating for both the families affected and the local area that they live in.
What To Do With Your Extra Money
When we get extra money in our pocket we seem to not know exactly what to do with it. The first reaction is to spend it on something that we normally wouldn’t buy, however that is generally not the best … Continue reading
Living on a Budget
Every person receiving any sort of income should be living within the bounds of a budget. Regardless of if you are just starting out in life, in the midst of life, or winding down in life, a budget is very … Continue reading
Improving Your Credit Score
Source: guarantorloanscompany.co.uk Have you ever been declined for credit in the past? This could be anything from a store card to a mobile phone contract to your mortgage! If you have (or frankly, even if you haven’t) you should look … Continue reading
Posted in Credit File Reports, Credit Reference Agencies, Restoring Good Credit
Tagged credit and loans, credit report, debt, finance, finance blog, money, money management, money saving, personal finance
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Get on top of debt before it gets on top of you
So many people today are saddled with high levels of debt that they just cannot seem to pay off. Many people find themselves struggling to make ends meet due to high levels of debt. They may see a decline in … Continue reading
