We use cookies to help you navigate efficiently and perform certain functions. You will find detailed information about all cookies under each consent category below.
The cookies that are categorized as "Necessary" are stored on your browser as they are essential for enabling the basic functionalities of the site.
We also use third-party cookies that help us analyze how you use this website, store your preferences, and provide the content and advertisements that are relevant to you. These cookies will only be stored in your browser with your prior consent.
You can choose to enable or disable some or all of these cookies but disabling some of them may affect your browsing experience.
Necessary cookies are required to enable the basic features of this site, such as providing secure log-in or adjusting your consent preferences. These cookies do not store any personally identifiable data.
Analytical cookies are used to understand how visitors interact with the website. These cookies help provide information on metrics such as the number of visitors, bounce rate, traffic source, etc.
Credit scores influence our financial lives, determining which bank accounts we can open, and which credit cards we might get accepted for when we apply. But not everyone has an amazing credit score, with every option available to them. If you don’t have a decent credit score, then you might be limited as to which financial product you will be…
Recent figures released by one of the UK’s largest credit referencing agencies show that the average British credit score has increased in 2021, despite the pandemic causing chaos with the finances of many. Credit scores from the major agencies in the UK are on a scale of 0 being the worst through to 999 being the best achievable. In 2021,…
Getting knocked back for credit is inconvenient and potentially embarrassing too. Whether you are accepted for a new credit card or mortgage depends in a large part on your credit score. If your credit score could be better, then here are our top tips about steps you can take to improve matters. 1 – Get your credit report Sign up…
We’ve all been in the situation of living with a nightmare flatmate who parties all night and never chips in their share of the gas bill. Eventually we move on and think about getting a place of our own. But can the financial situation of that dodgy flatmate who never paid their bills affect your own credit score in the…
Increasingly, financial services companies are offering the option to conduct a soft search or “smart search” to establish your chances of being approved for a loan or credit card. If you’re not sure what a soft search is, then you’re not alone. Here’s our ultimate guide to soft searches for credit, and the reasons why these could be important for…
If 2022 is the year you are planning to move house with a new mortgage, take out a loan for a new car, or think about taking 0% finance for a new kitchen, then it’s important to make sure your credit score is both accurate and in good shape. All of the big three credit referencing agencies in the UK…
For an individual to be creditworthy having a good credit score is critical. The credit score is evaluated based on your credit history. The better the score the more lenders will feel comfortable issuing credit. The credit score is calculated by credit reference agencies with three operating in the UK -TransUnion, Equifax and Experian. When calculating the credit score, credit…
Keeping track of your credit report is essential to ensure you remain creditworthy at all times. Like we check our bills and bank statements every month, looking at your credit report and ensuring things are on track will help to get the best deals for credit cards, mortgages and loans etc. We look at some of the main factors to…
If you are facing bankruptcy, having a CCJ or default showing on the credit report it will impact the credit score considerably. We look at these issues in this blog and how they can be handled. Bankruptcy A person is considered legally bankrupt when they are no longer able to repay their debts. When a person declares bankruptcy, they are…
If you intend to apply for credit you need to ensure that your credit score is in ship-shape as that is what banks and lenders look at first before deciding to give credit. For an individual to be eligible for the best offers have a robust credit score is paramount. In this blog we look at what constitutes a good…
