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Klarna and Credit Checks
Buy now and pay later has become a huge trend in recent years, with companies such as Klarna allowing you to pay over a longer period of time. Depending on the retailer, you may have the option to delay payment and then pay the full amount in 30 days, split the amount into four separate payments, or spread the cost over a longer period of time. [more...]
What is a Credit Eligibility Checker?
A credit eligibility checker is a website tool which helps you work out which loans you are likely to qualify for. Also known as “soft search”, this sort of check into whether or not you are likely to be accepted doesn’t leave a trace on your credit file or affect your credit score. Soft searches or eligibility checkers work by using information taken from your credit report. [more...]
Quick Ways to Improve Your Credit Score
If you’re facing high interest rates when you take out a new loan or credit card, or rejection due to poor credit scores, then you’re one of many millions with the same problem. Whether you're looking to get a mobile phone contract, a credit card, or a mortgage, having a good credit [more...]
Getting Car Finance With a Bad Credit Score
Having a bad credit score can make securing finance to buy a new vehicle more challenging, but it doesn’t make it impossible. Here's a guide to your car finance and leasing options if you have a lower credit rating. A credit score is a three-digit number reflecting your borrowing history. [more...]
What is a Mortgage Decision in Principle?
A mortgage decision in principle, also sometimes referred to as a DIP, is a crucial first step when buying your home. It provides an official estimate of how much you can borrow. It can give you confidence, and show sellers that you're serious. Often, estate agents will want [more...]
Does Changing Bank Affect Your Credit Score?
Major high street banks are increasingly trying to attract customers from their competitors, and one of the key ways of doing this is to offer competitive switching bonuses. The industry saw nearly 434,000 bank switches in the last quarter of 2023, marking the busiest quarter [more...]
Survey Reveals that Half of Credit Reports have Mistakes
A recent study into the credit reporting industry in the United States has shown that almost half of all credit reports contain errors. Having the wrong credit score could adversely affect the ability to secure credit cards or loans, mean you end up paying a higher interest rate. [more...]
No Credit Check Broadband
If you have poor credit or no credit history, this can make getting a broadband connection into your new property difficult. Most broadband providers will run a credit check before allowing you to sign up for a contract and delivering the router to you. [more...]
Getting a Loan Without a Credit Check
Being able to get a loan without going through a credit check might seem like an appealing option, especially if your credit score is less than perfect. However, at least in the UK, lenders will almost always ask for a credit check before approving any loan application. [more...]
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Lenders typically use their own systems to calculate your Credit Score based on the information in your Credit Report, often checking with one or more Credit Reference Agencies. Your Credit Check Online Credit Score is derived from all the Credit Report information we gather from TransUnion, helping you understand how you might be assessed when applying for credit.
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