Steps To Take To Avoid Bad Credit

by Rob

July 5, 2017



We all start out with no credit, a clean slate in a way. Every credit move you make from the time you open your first account will either move you towards good credit or bad credit. Most people can avoid bad credit by simply making the right choices with credit and other financial accounts. So,

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Bad credit loan applications explained

by Rob

June 26, 2017



The term ‘bad credit loan’ is often used in the lending world. Some of us fear it, some of us don’t understand it, and some of us think that it’s a phrase used to put people of borrowing money. In this latest blog, we look to address these differing views, and to explain exactly what

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The Key To Saving Up Money? It’s Never Easy, But It Can Be Done

by Rob

June 21, 2017



Who wouldn’t want a constant supply of spare money in the bank? Sounds great, but for many of us, merely a pipe dream. The easy way would be to get a nice job paying a six-figure sum each year, but back in reality, it is an achievable goal however sparse your funds may appear. So

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Should Debts Be Consolidated?

by Rob

June 21, 2017



Britons have never been more in debt than right now, and many if not most of us hold debts in various forms – from mortgages to loans, from credit cards to overdrafts. For many of us, it is hard to keep track when holding various debts in various formats, which is where debt consolidation comes

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Money, Loans & All Things Finance: A Glossary

by Rob

June 21, 2017



A look at some of the common terms used when discussing loans, financial products and money in general… A Acceptance Rate This is the percentage of customers who are accepted for a loan or credit card. Of those accepted, at least two thirds have to be offered the advertised rate, known as the “typical APR”.

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Financial Tips: How To Save AND Make Money

by Rob

June 21, 2017



I’ve never been good at saving money – in fact I’ve never saved any. I’ve not been frugal either, blindly trusting in my energy company, cable provider and other companies to charge me the “going rate”. It was only bizarrely after getting a bit of a pay rise, when I had more money at my

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Why There’s No Shame In Taking Out A Short Term Loan

by Rob

June 21, 2017



It is natural to feel that by borrowing money you have somehow “failed”. That by having to ask for financial help you have somehow let yourself, or others, down. I would argue very differently, especially considering that virtually all of us are currently paying back borrowed money anyway. Short-term and mid-term loans may be somewhat

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Credit Ratings: The Factors That Will Contribute Towards Your Score

by Rob

June 21, 2017



Credit ratings or scores are a constant source of frustration and even anxiety to millions of us, especially in our culture of borrowing and debt. It is also mystifying to a lot of people, who don’t truly understand the mechanics of a credit rating, or the full details contained within a credit report. For that

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Bills, Bills, Bills | Here’s How You Can Reduce Yours For Good

by Rob

June 21, 2017



It’s that time of year again. The time of festive cheer, drink, food and family is long gone and now it’s time to pay for it all. An expensive time of the year, and for those struggling to make ends meet, extremely stressful. For some, the fear of what falls through the letterbox every morning

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Bank Overdrafts: Are They The Best Option For Anyone?

by Rob

June 20, 2017



Overdrafts. A term we’re all familiar with, and a banking facility millions of us utilise every year, often with barely a second thought. But with all the options available to us for accessing extra funds, from short-term loans to credit cards to new accounts, are we right to? Authorised overdrafts, those agreed with your bank,

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