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Credit Checks and Tenant Referencing
From a landlord's point of view, your rental property likely represents a significant financial asset. They want to make sure they do everything possible to safeguard it and maintain its value. One of the main ways in which they do this is with tenant referencing. [more...]
How Long Does It Take to Improve My Credit Score
Improving your credit score might appear daunting, but it's something which is definitely achievable with patience and effort. Understanding the timeline and factors influencing credit score improvement is essential as a first step to making improvements. [more...]
Payment Holidays and Your Credit Report
A payment holiday offers temporary relief from debt repayments, such as mortgages or credit cards and was big news a few years ago as the Covid 19 pandemic saw many people furloughed on a vastly reduced income. A payment holiday usually means exactly that [more...]
Main Reasons Why Your Credit Score May Have Dropped
Finding out about credit scores and understanding your numbers often feels like getting through a maze, where various financial decisions and behaviours influence every turn. The world of credit scoring and lending is complex, and each lender has its own criteria about who it wants to lend to. [more...]
What is a Credit Utilisation Ratio
When the credit referencing agencies calculate your credit score, there are numerous factors which they take into consideration. One of these factors is your credit utilisation ratio, which indicates the percentage of your available credit that you're currently using. [more...]
Getting Broadband Without a Credit Check
If you're worried about your credit history affecting your ability to get a new broadband deal, try not to panic. There are several broadband providers that offer packages without needing a credit check, which should allow you to get internet at home whatever your credit score. [more...]
7 Things to Do Before You Apply for a Mortgage
Would you lend money to a friend if you thought you didn't stand much chance of ever getting it back? Mortgage lenders make decisions on the same basis, and as they don't know you on a personal level, they will look at your financial history and credit report when deciding whether to lend you the money you have asked for. [more...]
Retirement and Your Credit Score
Retirement marks a transition in life where things slow down a bit, and you have time to do all those hobbies and take holidays you never had time for before. As you shift from a regular salary to a pension, you might wonder about how that might affect your credit score. [more...]
How Your Overdraft Affects Your Credit Score
One of the most commonly used form of credit is the overdraft, even if you don't class it in the same category as other forms of credit. Although January is the month in the year which sees the peak of financial pressure for most, [more...]
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