2017
Credit

Luxury Holidays And Latest Tech Top Big Ticket Shopping List Of 2017

A tumultuous 2016 has not put Brits off spending big in 2017, according to credit score and report site ClearScore. 82% plan to splurge on ‘big ticket’ items next year, with holidays abroad topping the wish list for nearly half of UK adults (45%). “Staycations” follow close behind for 38% and high-end tech, such as MacBooks and SLR cameras will…

common debt
Credit

Which Very Common Debt Isn’t On Your Credit Record?

This is a guest post by Sara Williams who blogs about everything to do with debt and credit ratings at Debt Camel. It’s natural to assume that all debts, or at least the important ones, will show on your credit file. There are three credit reference agencies in Britain – Experian, Equifax and Call Credit – so if you check your credit…

credit card
Credit

10 Horrible Mistakes You’re Making With Your Credit Card

Christmas is around the corner and many of us will have turned to the credit card to help cover the cost. If you’ve applied for credit to get you through Christmas you should know exactly what you’re dealing with in order to stay away from common mistakes. In this short guide I’ll explain what you need to stay clear of if…

credit limit
Credit

How Much Of Your Credit Limit Should You Use?

I was recently contacted by one of my good friends who was quite literally foaming at the mouth in anger. One of the best thing about being a personal finance blogger is a year down the line people are choosing your blog posts for you!  To improve his credit score he had taken out a high interest credit card solely…

financial education
Credit

What Financial Education I Think We Need: FinCap Week

Are we getting enough financial education? I have long been an advocate of more substantial financial education in schools, so when I stumbled across the Financial Capability Strategy last year I was delighted to see there was finally some groundwork being done to improve matters. This week sees the launch of Financial Capability Week! If you’ve never heard of Financial Capability…

BadDebtor
Credit

Why It’s Crazy Giving Money To BadDebtor

Working in the debt industry for a number for years it is no surprise to see the odd scam company like BadDebtor rock up now and again, preying on vulnerable people. Sickening as it is, these companies target people who have gone to hell and back with debt problems, making promises they have no intention of fulfilling. I was alerted to these…

Home ownership
Credit

Why Home Ownership Falling Is No Surprise To Me

Home ownership falling is major news at the moment. But, it comes as no surprise to me whatsoever. Living in Manchester most of my life I have seen houses that were once sold for £25,000 – £30,000, now going for £250,000 – £300,000 plus. Manchester has seen the sharpest fall of home ownership of any of the major cities, and I…

credit report
Credit

How Your Relationship Can Affect Your Credit Report

The last thing you want as an adult is something to mess up your credit report, but when you have met that someone special, joint credit agreements in the future are a very real possibility. From mortgages, joint bank accounts and loans, the moment you make a joint application a link is automatically created on your credit report. Once linked…

Credit Score
Credit

How The EU Referendum Improved Our Credit Score

Unless you’ve been living under a rock this past year you will be aware, if not a bit bored of hearing, about the EU Referendum – the single most important vote this country has had in decades. With an expected turnout of 80%+ set to vote, it has captured the imagination of the UK public like no general election could…

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