Why You Might Be Rejected For a Mortgage
Lenders evaluate several factors before deciding whether to approve your mortgage application. There are lots of factors which might go against you depending on your circumstances. Sometimes these are obvious, but other factors are less well known and can catch people out if they are unfamiliar with the criteria used to decide who to lend money to. [more...]
Contactless Card Fraud
Contactless is easy, quick and convenient. However, contactless payments can also be prone to fraud, which can lead to both financial loss, and an ongoing impact on your credit score. Having someone commit fraud like this on your account might mean that you haven’t enough funds in your account to meet other direct debits, resulting in missed payments for essential bills and an immediate impact on your credit score. [more...]
Credit Scores for People New to the UK
Lack of a credit history can make it challenging to borrow money or obtain credit, as lenders may view you as a high-risk borrower. It can also make things difficult when trying to rent property or even get a job in certain sectors. Remember that building a credit score is never a quick fix and that is the case whether you have recently arrived in the UK to take up a job, or if you have lived in the UK your whole life. [more...]
What is the CCJ Register?
If a CCJ is issued against you, it is typically recorded on the Register of Judgments, Orders, and Fines, which was previously known as the Register of County Court Judgments and will also appear on your credit record. A CCJ allows the person you owe the money to take further legal steps to get you to pay what you owe, and is a serious matter. Unless paid within one month or set aside, a CCJ remains on the official register for six years. [more...]
Managing Your Credit Limit
How you manage your credit limit can have a significant impact on your financial health. If you prove yourself to be a reliable customer, who pays back the money they borrow every month and never misses a payment, then this will reflect positively on your credit score. It may also mean that the lender offers to increase your credit limit after a set period of time. Managing your credit limit wisely is crucial in building a strong credit history. [more...]
What is a Credit Blacklist
Many people worry that if they've been refused credit or have a poor credit history, they might be on a "credit blacklist." This concern is especially common among those who have missed payments or received a County Court Judgement (CCJ). But a credit blacklist a real thing, or just an urban myth? Another common myth is that lenders have a blanket ban [more...]
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Lenders typically use their own systems to calculate your Credit Score based on the information in your Credit Report, often checking with one or more Credit Reference Agencies. Your Credit Check Online Credit Score is derived from all the Credit Report information we gather from TransUnion, helping you understand how you might be assessed when applying for credit.
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