Using between 25 and 50% of your available credit card or overdraft limit will reduce your credit score. This is what lenders call the utilisation … Read More about Watch those credit limits!
If you’re using more than half of your limits on credit cards or overdrafts, some lenders may refuse your loan applications. Lenders could see this as … Read More about What to do if you’re always close to your credit card or overdraft limit
Each time you apply for a loan a lender will search your credit report... and your credit score falls. A ‘footprint’ is left behind when creditors … Read More about Soft vs hard credit check – what’s the difference?
Lenders like you to stay put. Why? Because it gives them reassurance that should you end up in arrears, they’ll be able to find you. It also makes … Read More about Why moving home can reduce your credit score
Yes it's as simple as that! It's unusual for lenders to make you a loan if you're not on the electoral roll. Luckily, it's an easy problem to fix. … Read More about Not on the electoral roll? Good luck getting a loan!
If you rate your credit score as good, or even excellent... then fantastic !! 🎉 But ... you'll want to keep it that way. Here are four tips to help … Read More about How to make a good credit score even better