Did you know that your credit score can ultimately impact your ability to borrow money using different means such as; credit cards, loans, and mortgages? We guess that you probably already knew that, however, there are also many other ways in which your score can impact your life. If you have a number of black marks on your personal finance history, it is important to...
For only the second time in the last 10 years, the Bank of England has raised the interest rate. Increasing from 0.5% to 0.75% – the highest level since March 2009, this was a decision that has impacted many people. Whilst the estimated 3.5 million people with variable or tracker mortgages will see repayments increase, the rise will be welcomed by savers. If this were to happen...
Do you use online banking facilities? Do you do any online shopping? Do you pay your bills via a website? In this article, we highlight the importance of being vigilant with all aspects of your online financial security. The balance has now tipped very much in the way of online financial transactions and it is very important to take steps to ensure that your online...
The use of credit and debit cards is ingrained in our minds from a very young age nowadays. From going out with our parents to do the weekly shop, to filling up the car with petrol, to paying for lunch in the pub, these cards can be extremely useful to have and their use is commonplace. The ease with which cards can often be obtained...
If you have not yet claimed any PPI payments that you believe you were mis-sold now is the time to do so as the Financial Conduct Authority (FCA) has introduced a deadline of the 29th August 2019. August 2019 deadline set for claims To ensure that you beat the deadline, claims over how PPI was sold must be received by the firm you’re complaining to...
There are an eye-watering amount of mobile phone options on the market today; do you have a contract, pay as you go, buy a phone, borrow a phone, protect your phone…? The possibilities are endless. Contract or Pay As You Go? There is no ‘right’ answer to this, it really depends on your own personal circumstances. If you are on a tight budget and only...
When Amazon Prime was first introduced in the UK they offered free next day delivery on qualifying items for £49 per year. For most people there simply wasn’t enough benefit to justify the cost. A couple of years ago they combined Prime with Lovefilm and put the charge up to £79 per year. Still, arguably, for many, it wasn’t worth the investment. Now they have...
Have you been left scratching your head because of rejected loan applications? In this article we explore why banks no longer lend to anyone with a poor credit rating, and then give some sensible affordable loan options for you.
With so many options available, you may find it difficult to decide which is the right loan for you. Read on to see our guide to the pros and cons of the most popular short term no credit check loans.
We look at the two things you need to understand credit checking to help you get the right loan. Credit checking is simply when a bank or other organisation look at your credit file to help them make the decision as to whether they wish to do business with you or not. There are many types of organisation that can look at your credit file,...