How To Build A Credit File Worthy Enough For A Set Of Bankers

I’m asked, quite often, how can I build a credit file if I am unable to take out any credit without having anything on my credit file in the first place? It’s one of those annoying little conundrums akin to the job advert that requires you to have experience, yet without someone giving you the chance for you to gain that…

credit card

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

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…

credit report

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

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…

How To Be A Pro At First Time Credit Applications

I spent years tearing my hair out about declined credit applications. I won’t lie, it was extremely frustrating. I wasn’t in desperate need of the money, I simply wanted to improve my credit score. It was incredibly annoying when I managed my money well and didn’t have any debts. What I lacked was a history. Here is how not to make the…

credit score

How Your Credit Score Affects The Cost Of Borrowing

If you want the best possible rates when applying for credit cards and loans you need a good credit score. Furthermore, you need to keep it that way. I’m going to explain why. How lenders make their decision Banks, loan providers and credit card companies use a variety of different ways to credit check you, some being more stringent than…

Credit Rating

20 No-Fuss Ways To Build your Credit Rating: [INFOGRAPHIC]

You credit rating is vital these days. From renting properties, buying properties, opening bank accounts, applying for jobs, these days we’re credit checked for many aspects of our lives and there are a few simple, hassle free ways to improve your credit rating. You’ve probably heard the phrase, “you can’t get credit without having credit”, and to a certain degree…

Credit builder

Credit Builder Could Help A Poor Credit History

Credit builder could be a way for you to have a completed loan appear on your credit file without the risk of running up unnecessary debts. People who have had little or poor credit history can often find it difficult to obtain credit as to lenders they are not seen as a particularly safe bet. I found this out for…

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