If you are in debt and need help then fear not, there is help out there for you. There are free sources of help where you won’t be charged for debt advice and this guide will direct you to the various resources on this blog, including links to the various debt help charities. It might…
The short answer to this question is yes, you can offer a full and final settlement for a debt with a debt collection agency. Quite often when I call a debt collection agency, I find that they will offer me a settlement figure for the balanced owed. Typically this is around 50% of the balance…
Looking to improve your credit rating? This guide looks at how to improve your credit rating and also provides information on how you can check your credit report too. When it comes to improving your credit rating, most of the time this isn’t a quick process and only time will heal any damage done by…
Applying for credit only to be informed you have failed the credit check can be a disappointing experience. It can be even more confusing when you are not sure why exactly you have failed. All you know is that the lender you applied with made a check with one of the credit reference agencies and…
In this guide we take a look at why you might have failed a credit check. At the end of this guide is a link taking you to Credit Expert where you can view your credit report to investigate further. Your credit rating is important if you would like to take out credit, for example a mortgage…
You may have come across the term credit report and have some questions about what exactly is a credit report. A credit report is a history of the credit accounts you have held and provides information about your past financial conduct. Whenever you apply for a mortgage, credit card or loan the lender will take…