Like your birth certificate, your driving licence and your criminal record, your credit score stays with you for life. It’s how finance companies decide whether or not they want to lend you money or set up a finance agreement, such as a hire purchase, and it contains a record of everything you owe and how […]
When it comes to all things related to finance, it pays to research the ins, the outs and everything in between. This is especially true when it comes to loans; when managed correctly, they can be incredibly beneficial, but they can be extremely costly and can seriously damage an individual’s financial standing if utilised poorly. […]
If you are concerned about bad credit and spiralling debt, you have come to the right place. This article sets out everything you need to know to understand bad credit debt consolidation and whether this might be the right option for your circumstances. Bad Credit Debt Consolidation Explained As the name suggests, debt consolidation essentially […]
Every payday loan lender has slightly different acceptance requirements. However, completing some small changes can make a big difference in whether your application is approved or rejected. When you need a payday loan, chances are you need the cash quickly to deal with an emergency or a temporary lack of funds. Some of the things […]
Being declined for a loan can be a frustrating experience. However, if you’ve recently been declined for a payday loan, you’re not alone. As the FCA (Financial Conduct Authority) continues to tighten restrictions on who can access short-term finance, many applicants who were once eligible for emergency same day loans now find themselves being turned […]
Debts can easily begin to mount up. Whether it’s an unexpected life event, a change in your personal circumstances, redundancy or a growing family, it can be easy to reach for credit to solve an immediate problem. Before you know it, you’re borrowing money to pay off old debts, and the amount of money you […]
Phone scams are commonly used by criminals to con people out of money fraudulently. Phone scamming is still rife in the UK, with billions of pounds lost to fraudsters every year in the UK. Older people are particularly at risk of being scammed over the phone. Still, anyone could fall foul of these scams, particularly […]
Most of the time, cash advice websites are full of bright ideas to help you find new and different ways of accessing credit. But, unfortunately, for most people, it’s simply a lack of information holding them back from their next loan, and they don’t realise that there are a few simple things that they can […]
A County Court Judgment, or CCJ as they are commonly known, is a type of court order in England, Wales and Northern Ireland. A CCJ can be registered against an individual who fails to repay a creditor. If a CCJ is not paid promptly, it can impact your ability to obtain credit for up to […]
If you’re considering applying for a short term loan, perhaps as a result of a financial emergency, then you might be wondering what the best way to go about it is. If you’ve had difficulties managing money in the past, or have been turned down for credit, then you may be concerned that your application […]