Posts by Ben Breen
ISO 27001 Certification
NestEgg is proud to announce we are now ISO 27001 certified. As of 7th November 2022, we have been certified for ISO 27001. This certification independently verifies that NestEgg follows information security best practices with our technology, people and processes. This is good news for your data. ISO 27001 certification is something we have been…
Read MoreGreat, there are no county court judgments on your file.
You’ve got a County Court Judgment
A County Court Judgment (CCJ), even from some time time ago, still has a negative effect on your credit score. Consequently a CCJ can make it harder for you to get a loan. Tip: ‘Satisfying’ a CCJ. You can repay a CCJ in full. This is called ‘satisfaction’. First, though, you must complete Form N443:…
Read MoreYou’ve got a recent County Court Judgment
Having more than one County Court Judgment (CCJ) or a very recent CCJ will make it really hard to get a loan. The age of the CCJ matters. Tip: If your CCJs are almost six years old, it is probably worth letting the time pass. However, if the CCJ is very recent you could pay…
Read MoreYou were made insolvent a few years ago
An insolvency will hang around on your credit file for six years. According to your credit file you have been made insolvent, although that was a few years ago. Responsible lenders, like credit unions, may offer a small loan even if you have been made bankrupt in the past. Tip: Make sure you’re signed up to…
Read MoreYou have been insolvent recently
An insolvency stays on your credit file for six years. Any lender seeing this information is likely to turn down your application for credit. If they say ‘yes’, you’ll likely be paying a higher rate of interest. Unless, of course, you use a responsible lender. Tip: Make sure you’re signed up to the electoral register.…
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