What To Do If You Fail a Credit Check
A failed credit check can really ruin your plans to get a loan for a new car or take out a mortgage and buy your first home. There are a huge range of factors which can affect your credit score and it’s not always obvious why you’ve been turned down. [more...]
How Moving House Affects Your Credit Score?
Moving house is a significant life event that comes with a long checklist—packing, notifying utility companies, changing your address… and considering how the move might affect your credit score. Many people in the UK overlook this, but understanding how moving house affects your credit score can help you avoid any surprises when applying for credit or financial services in the future. [more...]
CCJs, Bankruptcy and Your Credit Score
If you have a County Court Judgment (CCJ), an Individual Voluntary Arrangement (IVA), or have ever been declared bankrupt, it can take time to remove these details from your credit score. Although these are serious matters, there are things you can do to improve the situation and build your credit score to be as good as it can possibly be. [more...]
What Happens If You Miss a Credit Card Payment? Impact on Your Credit Report
Missing a credit card payment may seem like a minor slip-up, but it can have serious consequences for your financial health—especially when it comes to your credit report. In the UK, your credit report plays a vital role in securing loans, mortgages, mobile contracts, and more. So, understanding what happens if you miss a credit card payment is crucial. [more...]
Bad Credit? Here’s How to Rebuild Your Credit Score in the UK
A poor credit score can feel like a financial roadblock, making it harder to get loans, credit cards, or even a mobile phone contract. But the good news? With the right steps, you can rebuild your credit rating over time. This guide explains practical strategies to improve your UK credit score and regain financial flexibility. [more...]
How to Clear County Court Judgements
A CCJ will be recorded in the Register of Judgments, Orders, and Fines, and it will appear on your credit report. If you pay off the debt in full within 30 days of receiving the judgment, you can apply to have the CCJ removed. Otherwise, it will stay on the register for six years, severely impacting your ability to get credit, loans, or even a bank account in the future. [more...]
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