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October 18, 2018

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Total Articles : 62

Do I Really Need A Loan?

Alternatives To A Bad Credit Loan Before you take out any loan, let alone a bad credit loan, always ask yourself “do I really need to borrow money?” Sure, you may need cash fast and you may see no alternative to applying for one of those high interest short term loans we see advertised everywhere but are you sure you can comfortably repay the loan without leaving yourself in difficulty again and are you certain there’s no other way? Save Up If there’s something you need or want and you’re thinking about borrowing to get it then consider if there’s another way Keep Reading >>>
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Debt – The Astounding Facts

Bad credit and debt – the astounding facts … add up all the personal debts in the country together and the numbers are astounding. Fairly recent  figures are that UK personal debt stands at over £1,450 BILLION pounds. £1,250 Billion of this is secured lending on property (mortgages for example) leaving £200 Billion+ representing everyday consumer credit. Most people are in debt to some extent but millions have more debts than they can afford to pay off. Average household debt (excluding mortgages and unsecured lending) is £8,042 per household. Including mortgages this average household debt figure rises to £55,582. The Keep Reading >>>
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All About Debt

The golden rule is to face up to debt, don’t hide it, pretend it’s not there or hope it will go away – hit it head on! There’s ALWAYS a way and you CAN become debt free. If you are worried about, or struggling against, debt then hopefully the pages and posts relating to debt that you’ll find on Money Unmuddled will explain the different options available. Don’t worry alone, there are thousands in the same situation, share your concerns, face up to your debts and start living again – why not visit the forum and chat with others in the Keep Reading >>>
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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 credit agency checks the name, address and other identifying information of the applicant with the information already held in its files. It’s therefore very important that any information held is accurate as it will affect the applicants ability to obtain credit facilities This information is used by lenders such as credit card companies to Keep Reading >>>
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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 responsible manor. If you have then they are confident that you will treat them the same and are likely to lend but if they see historical issues and problems then Keep Reading >>>
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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 your application. To define, a credit check is the process of judging the creditworthiness of the borrower by reviewing his credit repayment history. The lender basically examines the borrower’s capability to Keep Reading >>>
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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 also other lines of credit such as monthly insurance direct debits, mobile phone contracts etc. There are many different reasons you may have a bad credit history which can make it difficult Keep Reading >>>
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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 “maxed out” all their existing debt elsewhere. 1. Pay Off Debt When You Can If you are using more than 50 per cent of the credit already available to you, then you are using too much. The Keep Reading >>>
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Dangers Of Bad Credit Logbook Loans

Bad credit logbook loans are a popular option when it comes to sub-prime loans and finance. Normally relatively small loans are provided and secured on vehicles such as cars, vans and motorcycles or any other vehicle with a logbook, through a Bill of Sale. The popularity of logbook loans stems from the open eligibility criteria and the subsequent attractively worded adverts such as; no credit checks loans, same day cash loans, any purpose loans, bad credit loans, CCJs accepted, etc. Because the loan is guaranteed against the value of the vehicle there are no credit checks, if the applicant has Keep Reading >>>
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Debt Consolidation Loans

Debt consolidation loans are loans to pay off multiple other loans – we see these advertised everywhere with familiar faces on TV ads telling us how you can consolidate all our monthly debts into one easy monthly repayment and the memorable catchphrases that accompany the ads. Whilst it may provide an ideal solution in some cases it’s certainly not right for everyone. If you are considering a debt consolidation loan it’s vital that you talk to an expert as there MAY be an alternative option that’s more suitable to help you deal with debt and debt problems. If you find Keep Reading >>>
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