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...]
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...]
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