Understanding Your Credit Score: What is a good credit score?
Your credit score provides information about your ability to repay debts. A good score helps you get loans easily and has lower interest rates. When you want to purchase something new, credit score is very important. [more...]
Being a Guarantor
Being a guarantor means you are agreeing to take responsibility for someone else’s loan or mortgage. If the borrower can’t make their repayments, you “guarantee” to pay it for them. It's wise to only to agree to act as a guarantor for someone you trust and know well, such as a family member. [more...]
Debt Management Plans and Your Credit Score
Any information related to your DMP, such as missed payments, defaults, or partial payments, will remain on your credit file for six years. These marks will be removed after six years, regardless of whether the debt is fully repaid. Making smaller payments through a DMP shows creditors that you are taking steps to address your financial issues. [more...]
What is a Cash Advance?
While credit cards can be great for making large purchases, taking a cash advance can end up being an expensive option, especially when you look at the impact on your credit score. Using cash advance on a regular basis might raise red flags that you have no other options for accessing money. So as a one-off it’s probably not going to influence your credit score, but on a regular basis it will. [more...]
Student Loans and Your Credit Score
A student loan helps cover the cost of university tuition fees and living expenses. With tuition fees often surpassing £9,000 a year and the cost of living rising, going to university is becoming increasingly expensive Student loans won’t show up on your credit report, so they don’t directly impact your credit score. This means you could graduate with significant debt but still have a solid credit rating. [more...]
Guide to Mortgage Brokers
A mortgage broker looks at the mortgages on the market based on your financial situation and submits the application for you. They can save time by targeting lenders who are likely to approve your application, offer tips on improving your chances, and manage some of the paperwork involved in the process. [more...]
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