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...]
Students and Credit Scores
Your financial habits during your student years lay the foundation for your credit footprint, which will follow you into adulthood. This is often the first time you'll encounter bank accounts with overdrafts, student loans, and perhaps even student credit cards. Being responsible with your finances during university sets you up for a strong credit score later in life. [more...]
Cash Advance and Credit Checks
A cash advance involves using your credit card in a cash machine to take out cash rather than using it to pay for items in a shop. While convenient, cash advances can be costly due to additional fees and higher interest rates compared to regular credit card transactions. Appearing to be reliant on cash advances can also have a significant effect on your credit rating. [more...]
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