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Buy Now Pay Later Schemes: How vulnerable do they make you?
Buy Now Pay Later (BNPL) schemes have become increasingly popular over recent years. They allow individuals to purchase ...
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Loan Sharks: Who is really behind the mask?
What does a loan shark look like to you? When thinking about a 'loan shark', the chances are ...
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How financial associations affect your credit profile
A financial association is a link between two or more people who have shared financial accounts or products. ...
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Credit repair services: are they worth it?
Having a good credit score is important for your financial wellbeing. A good credit score can help you ...
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Improve your chances of being approved for credit
There are many ways you can build your credit history and boost your credit score to improve your ...
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How lenders make credit decisions
Credit checks are common when you apply for credit, such as a loan or credit card. Lenders need ...
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What is a credit score?
A credit score is a number that lenders use to assess your ‘credit worthiness’. The number is based ...
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The 50/30/20 method of budgeting
The ‘50/30/20’ method is a budgeting tool and can assist you in managing your money more efficiently. Using ...
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Debt Ratios: what you need to know
When applying for a loan, lenders need to consider how much of a risk it is to lend ...
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Credit Unions and Banks: What’s the Difference?
When it comes to borrowing and saving, naturally the first place many might think to go to would ...
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Why the Electoral Roll improves your credit score
There are many factors that can positively impact your credit score. One of these factors includes being on ...
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A default can stop you getting credit
A default on your credit file can prevent you from borrowing money. A default occurs when you have ...
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How to build credit history when you’ve never borrowed before
When you apply to borrow money from a lender, the lender will need to assess you to determine ...
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What is a missed payment?
A ‘missed payment’ is when you don’t make a payment on the date agreed during a billing cycle ...
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What is a credit union?
A credit union is a not-for-profit co-operative, providing loans and savings accounts to its members. Their three main ...
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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 ...
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About indebtedness
When considering a loan application, lenders must make sure that the debt is affordable. This goes beyond checking ...
Read More You owe a lot compared to your annual income
If you owe between 50% and 100% of your annual income it can be harder to get a ...
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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 You have a recent default on your credit file
If you’ve missed between three and six payments, on a credit account you may be declared in default. ...
Read More You have a recent default on your account
If you’ve missed between three and six payments, on a credit account you may be declared in default. ...
Read More You have missed payments on your accounts
Each time you miss a payment a ‘current status indicator’ goes up in value at the Credit Reference ...
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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 ...
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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 ...
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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 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 ...
Read More You’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 ...
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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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How to get on the electoral roll
It's unusual for lenders to make you a loan if you're not on the electoral roll. Yes, it's ...
Read More How to turn your credit score from OK to GREAT
If your credit score is 'OK' but not great, you’ll need to sort out things like: High balances ...
Read More What to do about a LOW credit score
If you have a low or poor credit score, it is likely that you’ll need to address a ...
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About missed payments
Missed payments are when you’ve not made a repayment due under a credit agreement. For example – not ...
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What is a credit reference agency?
Credit Reference Agencies (CRA) are also referred to as credit bureau. CRA's hold and share information about your ...
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A default can stop you getting credit
One or two missed payments might not be too serious. These are referred to as ‘early delinquency’. However, ...
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