Making Sense Of Money

Credit Repair

What Is Bad Credit

What Is Bad Credit

Credit history or credit report is a record of an individual’s past borrowing and repaying, including information about late payments and bankruptcy. Whenever an application for credit is made, be it from a bank, building society or other financial institution, a store card or credit card company, the information is forwarded to a credit reference agency. The...

Read More
Bad Credit History – The Causes

Bad Credit History – The Causes

The demand for bad credit loans is on the up as more and more people struggle to retain a perfect credit history and lender confidence but just what factors can cause such problems? Every time you apply for any form of credit the lender will do a credit check in order to check back on your lending history and to make sure you have always paid your creditors in a...

Read More
The Credit Check

The Credit Check

We’ve all been there – biting our nails whilst the nice lady in the bank leaves the room to go and check just how credit worthy we actually are. Just how do they check, how do they score and what can they find ? What is a credit check? When you apply for a loan, credit card, store card or mortgage, the lender will conduct a credit check before approving...

Read More
Avoiding Bad Credit

Avoiding Bad Credit

Most people owe money to some extent but how you manage your debts is what counts on your credit file – anything you do wrong is recorded and creates your credit history – a file which lenders use when deciding if you represent a good risk to them and hence if they will lend you money. When we talk about credit it’s not just loans and mortgages but...

Read More
Top Tips To Repair Bad Credit

Top Tips To Repair Bad Credit

10 top tips to help you to mend and improve your own credit score and repair credit history. One of the easiest ways to repair bad credit and  improve your credit score is to repay your debt – simple but easier said than done! It’s true though, lenders feel much more comfortable offering money to customers if they know that the customer hasn’t...

Read More
Positive SSL