Checking your credit file is one of those things that is easy to put off. You assume the information being reported is correct, especially when it relates to accounts that have already defaulted or been passed to a debt collection agency. But my experience with BetterBorrow, Chetwood Financial and Cabot shows why that assumption can…
If you’ve got a default on your credit file, you’re probably wondering: “Is getting a mortgage even possible?” The short answer is: yes, you can get a mortgage with defaults, but it depends on how recent they are, how many you have, and how much they’re for. Let’s break it down properly. What Is a…
If you have bad credit, getting a mortgage can feel much harder than it should. Maybe you have missed payments, defaults, a CCJ, payday loan history, a debt management plan, or simply a low credit score. Whatever the reason, it is easy to assume that a mortgage is completely out of reach. The good news…
If you’ve spotted a default on your credit file, your first reaction is usually: “Can I get this removed?” The answer is: yes, you can challenge a default, but only if there’s a valid reason. Defaults aren’t removed just because they’re inconvenient. They have to be wrong, unfair, or not applied correctly. Here’s how it…
A Debt Management Plan (DMP) can be a lifeline when you’re struggling with repayments. It can: Reduce your monthly payments Take pressure off Help you regain control But it’s not risk-free. Done properly, it helps. Done badly, it can drag things out, damage your credit further, or leave you in a worse position. Here are…
The recent car finance scandal has created a lot of headlines and a lot of confusion. If you took out car finance in the UK, you may be wondering whether you could receive compensation and what you should do next. The short answer is that you might be able to, but not everyone will qualify…