Credit Scores and Employment: Do Employers Really Check?
In today’s competitive job market, employers are becoming increasingly thorough during the recruitment process. While background checks and references are standard, many jobseekers in the UK wonder: Do employers really check your credit score? Let’s explore the connection between credit scores and employment—what’s checked, why it matters, and when it may be a concern. [more...]
UK Average Credit Score
If your credit score is listed as “good”, you’re more likely to be offered better interest rates and higher credit limits. If your credit score is “excellent”, or as good as it can be, you have the widest choice of loans and credit products, interest rates and credit limits. [more...]
Credit Scores and Remortgaging
When lenders look at your credit score, they are trying to calculate the risk of lending to you. A high credit score usually means you are offered better deals as the bank is pretty sure you’ll pay them back. However, even if your credit score isn’t brilliant, a low score doesn’t necessarily mean you’ll be turned down for a remortgage. [more...]
Payday Loans and Credit Scores: The Long-Term Impact
Payday loans may seem like a quick fix when you're strapped for cash, but they can have a significant and lasting impact on your credit score. In the UK, many people turn to these short-term loans to cover emergency expenses, unaware of how they can affect future financial opportunities. [more...]
Understanding Your Credit Score
If you can’t find many good options for a new car loan or credit card because your score is too low, then often the best tactic is to take some time out. Changes which you make will affect your credit score but won’t be reflected instantly, so give it six months and then take a look again. Careful financial management should see your credit score improve over time. [more...]
Guarantor Loans and Your Credit Score: What You Should Know
In the UK, guarantor loans have become a popular borrowing option for individuals who may struggle to get approved for credit due to a poor or limited credit history. While these loans offer a lifeline to many, it’s important to understand how they can affect your credit score—whether you’re the borrower or the guarantor. [more...]
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