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What is a high-cost short-term loan? Often called Cash advance / Payday advance / Wage advance / Salary advance They are high-cost loan products where The APR is equal to or exceeds 100% The credit is provided for up to 12 months See the FCA definition What is the purpose of this sort of loan? To provide customers with a poor credit history access to quick borrowing for...
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Credit checks aren’t just limited to loans, credit cards, or mortgage applications! If you’re looking to sign up for a new broadband contract, or switching providers, a low credit score could limit your options. Many well-known Internet Service Providers (ISPs) are likely to use credit-scoring methods to check up on new customers. From their point of view, it’s a convenient way to assess a new...
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With new lenders hitting the market all of the time, how can you know which ones you can trust? In this article we explain why using 3rd party companies such as Clear Credit to do the hard work for you by finding a panel of professional lenders, can save you both time and money.
Unfortunately, staying loyal to your broadband provider is rarely the way to get the best deal. Across the UK, broadband companies are constantly competing to attract new customers. That means newer clients get the best deals and offers. Once your broadband provider has secured a contract with you, they assume you’re going to stick with them. And let’s face it, many of us forget all...
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Emergencies put the pressure on and can quickly lead to bad decisions when looking to solve a cash flow problem. In these uncertain times, level-headed thinking is more important than ever, so if you’re in desperate need of cash we look at some do’s and don’ts, to make sure you don’t do something you’ll regret later on. This is especially important if you have got...
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Buying a computer itself is expensive enough, but once you start adding extras like subscriptions to Microsoft Office, getting anything done starts to become very expensive! If you look around, there are some great free alternatives which work like many of the standard programs you need day-to-day, chances are you just have not heard of them. Here are some suggestions to get you going: 1....
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Sadly when it comes to staying loyal to an ISP, customers are too often rewarded with overpayment. We cast a frugal eye over why and how you can make savings instead. Nobody likes to pay more than they need to, for anything in life. The bill for modern utilities is only rising and for most people keen to budget, every penny or pound needs to...
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With COVID-19 causing devastation to the UK economy, many people are looking at ways to ‘make ends meet’, which is especially difficult with a poor credit score! Short term borrowing such as payday advances can cause more problems than they solve! Is a short term loan really the answer? It may be tempting for anyone with bad credit problems to think that a short term...
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Your credit score is a number that the credit referencing agencies put against your credit file for lenders to quickly assess how ‘creditworthy’ you are to lend to or not! In the ‘good old days’, to get a loan you would meet the bank manager and they would make their decision to lend based on many factors, your credit score is only one. Though in...
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To get quotes, there are no full credit checks. In fact, getting a quote does not affect your credit score in any way. Read More.
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