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Why payment history matters
Your repayment history on credit agreements is taken into account by a lender when considering you for a ...
Read More About indebtedness
When considering a loan application, lenders must make sure that the debt is affordable. This goes beyond checking ...
Read More How lenders make credit decisions
Credit score is the number 1 thing most lenders will look at when deciding whether to grant you ...
Read More About County Court Judgements (CCJs)
As a rule, it is rare for creditors to take people to court. Because of this, lenders take ...
Read More Getting a mortgage with a poorer credit history
We’ve been locked away in our homes for more than a year. No wonder many of us are ...
Read More How financial associations affect your credit profile
Financial associations affect your credit profile. If you share finances with someone, they may be recorded on your ...
Read More How to get credit when you’ve never borrowed before
A catch-22... No credit in the past, means no track record of payments. Because of this, it’s hard ...
Read More Save money by using cash instead of a card
Save money by using cash instead of a card. If you walk into a supermarket with only a ...
Read More What is a credit union?
A credit union is a not-for-profit co-operative, providing loans and savings accounts to its members. To become a ...
Read More What you need to know about debt ratios
When you apply for a loan, a lender cares about how much you already borrow compared to how ...
Read More Why being at your credit limit reduces your credit score
If you are at or close to your credit card or overdraft limits then you are likely to ...
Read More Soft vs hard credit check – what’s the difference?
Each time you apply for a loan a lender will search your credit report... and your credit score ...
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