Rental Exchange

Rental Exchange: The News Generation Rent Has Been Waiting For!

Rental Exchange has just made things very interesting! I remember having a conversation a few years ago with a friend I used to live with. I was complaining how though I had no debt, no dependants, and always paid my rent on time, I didn’t have a hope in hell in getting a mortgage as I had no credit history….

Debt

Think You Know About Debt? This Will Change Everything!

If you’re considering borrowing, it’s most certainly of benefit to know the difference between good and bad debt. There are some things in life that is worth temporarily putting yourself in debt for, whilst other can leave you in financial ruin. I’m going to show you the difference. Good Debt vs Bad Debt…..   What is good debt? In Layman’s…

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…

Purchase Protection

What You Should Know About Purchase Protection

Today was a classic example of why you should shop smarter with purchase protection. A girl in my office was left seething today after being ripped off by an unscrupulous trader on the internet. She had made the mistake of purchasing from a dodgy website. The Michael Korrs bag she was expecting to receive was nothing more than a very…

PPI

Why The PPI Clock Is Ticking And You Need To Claim It Now

The PPI scandal shows no sign of going away. After a supreme court decision last year decided that if a PPI seller neglected to advise the consumer that they had been paid a commission from the products provider that the sale was unfair and mis-sold. Susan Plevin, a 59 year old college lecturer, and the subsequent court judgement, has opened…

balance transfers

Why 0% Balance Transfers Aren’t Free

Balance transfers appear next on the FCA’s hit-list. Just when you thought there was nothing left for the Financial Conduct Authority (FCA) left to tackle, Which? The consumer group, have announced today that we are not necessarily getting all the relevant information when it comes to 0% balance transfers. £334m is paid in balance transfer fees each year Not for…

store cards

Christmas Countdown – The Danger Of Store Cards.

Would you like a store card today? With just 13 weeks until Christmas, for many of us, the panic has already set in and we are considering credit such as store cards to keep up. The “must have” presents children crave present a sizable headache for parents up and down the country worrying about how they are simply going to…

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