Getting a loan

There are many ways you can build your credit history and boost your credit score to improve your chances of being approved for credit.  Lenders assess an applicant’s ‘creditworthiness‘ when they receive credit applications to determine the level of risk involved in lending money to the applicant. Lenders will look at credit history and credit…

A credit score is a number that lenders use to assess your ‘credit worthiness’. The number is based on your credit history, which includes information about your past borrowing and repayment habits, how long you have resided at your address, and if you are on the electoral roll. The higher your credit score, the more…

When you apply to borrow money from a lender, the lender will need to assess you to determine how much of a risk it will be for them to lend you money. Having a history of borrowing allows lenders to analyse your credit history and repayment ability. However, if you have never borrowed money before,…

We’ve been locked away in our homes for more than a year. No wonder many of us are thinking that it would be much more comfortable in our own place. And it is a feeling shared by many. According to the British Social Attitudes survey 86% of people want to own their own home. Last…

Are you are getting turned down for loans? Getting charged too much for borrowing? Your credit score might be too low. However, the full picture is more complicated. You’re not in control of your financial identity Your financial identity (also known as your credit profile) determines whether you get a loan. It sets the interest…