A lot of the issues that surround credit scores and credit reports can be rather confusing to say the least. But the one thing that most people know is that the higher their credit score is the better their chances of getting a mortgage, a car loan or a credit card with
Understanding What Creditors See on Your Credit Report
(Updated 5/3/2018) Your credit report. You know it's important - you've heard it enough after all - but until people actually look at one they rarely understand what lenders see. And if their credit rating - that pesky numerical value that seems to hold some much weight
Why APR isn’t a Good Indicator of Value for Short Term Loans
If you have only ever heard one thing about short-term loans - sometimes also known as payday loans - it's probably that the interest rates charged are astronomically high in comparison with other types of loan. It's a narrative that is repeated a lot, but one that is
Easy – But Painless – Ways to Save More and Budget More Effectively
*Updated for 2019. Is budgeting easy? No. Is it a must? Yes. A solid budget, that you actually follow, is one of the biggest keys to financial success and stability. But like any chore that isn't exactly exciting it's very easy to avoid making - or sticking to - a
Your Credit Rating is Important – So Here’s How You Repair It
As most people are very well aware, having a good credit rating can open up a lot of opportunities for you. You can get a loan to buy a house or a car, get a good credit card that has a low rate of interest and a decent rewards program and you are generally seen as a
Payday Loans Without A Credit Check?
Payday Loans No Credit Check? So is it still possible to get a payday loan without a credit check? It's not a simple question to answer but we'll have a go filling in the details. In short the summary is it's increasingly hard to get a payday or short term loan with no
What is Open Banking?
Open Banking, will it change short term loans? What is Open Banking? Open Banking is a UK first as a government regulator decided banks were not competitive. The banks are being forced to be more competitive by enabling your data to be accessible and portable. Open
Payday Loans In 2018
What is happening to Payday Loans in 2018 First of all, happy New Year and welcome to 2018. The short term loan and payday loan industry has undergone some serious changes in 2017. With the introduction of a number of firms offering to get refunds for payday loans,
Top 5 Tips To Make It To Payday
Christmas is over, when's Payday? We know the deal, you've had a great Christmas and Boxing Day. You've gone back to work today and checked the bank balance! Maybe you followed the many tips online and your Christmas and it was all paid for in advance. Maybe you didn't
Protect Yourself From Failing Toys-R-Us
How to protect yourself from a failing Toys-R-Us Toys-R-Us has been struggling financially in the last few weeks. The treasured toy retailer feels like part of the UK high street but it's actually owned by a US firm. The US owner has been struggling and this has led to