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James Miller's articles
When you apply for any sort of credit, whether it is a credit or store card, a loan or a mortgage for example, you will undergo a credit check by the company who you are approaching for credit.
Posted: 2008-02-06
Category: Credit
First of all, get an up-to-date copy of your credit file to see if there are any inaccuracies on it such as a satisfied County Court Judgment (CCJ) that is still showing as unsatisfied or debt that is still showing as outstanding.
Posted: 2008-02-05
Category: Credit
If you find that you have been declined credit due to having a poor credit report (also known as a credit rating or poor credit score), then don’t despair. There are ways that you can improve your credit file.
Posted: 2008-02-05
Category: Credit
Credit repair companies advertise that they can free you from the problems associated with bad debt and can 'clean up' your credit report.
Posted: 2008-02-05
Category: Credit
Sadly, we are all under extra financial pressure to spend at Christmas, whether it be on presents, extra socialising and even new clothes!
Posted: 2008-02-04
Category: Credit
Your credit report is used by potential lenders, landlords and employers to help them make a decision as to whether approve your application for a loan or other credit; or for a job or as a tenant.
Posted: 2008-02-02
Category: Credit
Even if your credit score is good, it is important that you keep it that way - or even improve it!
Posted: 2008-02-01
Category: Credit
A Credit Score is something used by loan, mortgage and credit companies to decide whether you qualify for a particular product.
Posted: 2008-01-31
Category: Credit
A credit card is a plastic card issued typically by banks, other financial organisations and stores. If you have a credit card, you can use it to make payments for goods or services instead of using cash or a cheque card.
Posted: 2008-01-28
Category: Credit
If you are experiencing financial difficulty and have debt problems, then it makes sense to see a specialist for free help and advice.
Posted: 2008-01-25
Category: Credit
Lloyds TSB, Halifax Bank of Scotland, Nationwide, Northern Rock, Abbey, Alliance and Leicester, and Marks and Spencer Money, all said they use charging orders to turn unsecured debt into borrowing secured against the home.
Posted: 2008-01-24
Category: Loans
There are two types of debt - priority debts and non-priority debts. If you are experiencing financial difficulty and are unable to service all your debts, it is important that you understand the type of debts you have.
Posted: 2008-01-24
Category: Credit
Many existing borrowers tend to put off remortgaging because they think the trouble generated by the procedure is just not worth while.
Posted: 2008-01-23
Category: Mortgages
None of us likes having a mortgage. However, there are ways that you can ensure that your mortgage is less of an albatross around your neck and more of a pigeon sat on your shoulder!
Posted: 2008-01-23
Category: Mortgages
Having taken out a mortgage, you are not locked into that particular loan for the full mortgage term. Lenders compete fiercely for your custom and you may be able to reduce the cost of your mortgage by switching to a new lender. Against this you must set the costs of making the switch.
Posted: 2008-01-20
Category: Mortgages
