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What Is a Credit Score?

What Is a Credit Score?

In very basic terms, your credit score is a number, ranging between 0 and 999. It is an indication of how reliable you have been in the past when paying back money you have borrowed from a bank or on something like a credit card. If your credit score is high, then you stand a good chance of being approved…

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What is a CCJ?

What is a CCJ?

CCJ is a County Court Judgement and applies in England and Wales only. If you owe someone (either an individual or a company) money and don’t pay them, then they can take you to court. If the court agrees that you owe the money and you do not respond to the legal action, the court will award a CCJ. Never…

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What Do Lenders Know About Me?

What Do Lenders Know About Me?

If you are applying for credit, there’s usually a form to fill in. Lenders will look at this information when they are deciding whether or not to lend you money, so it’s important to take your time and give them the best first impression possible, without lying of course. Many banks and building societies use not only credit scoring agencies…

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