What Happens If You Miss a Credit Card Payment? Impact on Your Credit Report
Missing a credit card payment may seem like a minor slip-up, but it can have serious consequences for your financial health—especially when it comes to your credit report. In the UK, your credit report plays a vital role in securing loans, mortgages, mobile contracts, and more. So, understanding what happens if you miss a credit card payment is crucial. [more...]
Bad Credit? Here’s How to Rebuild Your Credit Score in the UK
A poor credit score can feel like a financial roadblock, making it harder to get loans, credit cards, or even a mobile phone contract. But the good news? With the right steps, you can rebuild your credit rating over time. This guide explains practical strategies to improve your UK credit score and regain financial flexibility. [more...]
How to Clear County Court Judgements
A CCJ will be recorded in the Register of Judgments, Orders, and Fines, and it will appear on your credit report. If you pay off the debt in full within 30 days of receiving the judgment, you can apply to have the CCJ removed. Otherwise, it will stay on the register for six years, severely impacting your ability to get credit, loans, or even a bank account in the future. [more...]
Understanding Soft vs. Hard Credit Checks: What’s the Difference?
When applying for credit in the UK, lenders may perform either a soft credit check or a hard credit check—but what’s the difference, and how do they impact your credit score? This guide explains both types of checks, when they’re used, and how they affect your financial profile. [more...]
Bankruptcy and Your Credit Score
Bankruptcy is a legal status for individuals unable to repay their debts. It’s typically only an option if you owe more than £5,000 and is considered a last resort because it comes with fairly serious and ongoing consequences. When you declare bankruptcy, your assets are typically used to pay off the debts you owe. [more...]
Credit Checks for Renters: How Your Credit Score Affects Your Ability to Rent a Home?
Finding a rental property in the UK can be competitive, and landlords often conduct credit checks to assess potential tenants' financial reliability. If you're wondering how your credit score impacts your ability to rent, here’s what you need to know. [more...]
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