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Tag Archives: credit score
Understanding your Credit Report
As prospective lenders will use your credit report to assess the potential risk in lending to you it is important that you understand how information is obtained for your personal credit report and what that information is. Your credit report … Continue reading
Credit File Check
Doing your own credit file check can be vital in order for you to get back on the road to rebuilding your credit reputation. Once you have received your credit report either by post, or online, this is when you … Continue reading
How Are Credit Card Finance Charges Computed?
It is vital that you understand how to compute the finance charges which are applied to credit cards, whether you have intentions of getting another credit card or you are just thinking about the one you have now. But first, … Continue reading
Posted in Living on a Budget
Tagged credit cards, credit score, debt, finance, personal finance
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How does Bad Credit affect a Loan Application?
These somewhat shaky economic times have affected everyone in one way or another. The rising cost of living has meant that many who were previously relaxed about their finance have now had to take measures in order to avoid falling … Continue reading
Posted in Credit File Reports, Credit Reference Agencies
Tagged credit history, credit score, loans
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Four Steps to Take While Preparing to Buy Your First Home
The fortunate thing about the housing crash of 2008 is that real estate is currently a buyer’s market, and would-be home buyers are in a prime position to make the leap from renters to owners. However, even in markets where … Continue reading
Posted in Credit File Reports, Credit Reference Agencies
Tagged banks, credit score, loans, mortgages
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The free credit score and how lenders assess new applicants
The credit reports compiled by credit reference agencies are a primary source of data for credit scoring procedures. The largest credit reference agency in the UK – Experian – now offers the chance to see a free credit score through … Continue reading
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 cards, credit record, credit score, 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