Who Can Look At Your Credit Report?

Moolr have talked at length on this site about credit reports and credit scores. Their importance and what they mean to you. But another aspect that matters to many is who is seeing their personal, financial information. It’s a valid concern, so Moolr decided to answer the question – who can look at your credit […]

How do loans affect credit score?

Loans – and how you manage them – are the most important factor in your credit. But credit is complicated, and depending on the state of your credit, you might wonder if loans help or hurt your credit scores. New and existing loans can affect your credit in several ways. Moolr take a look at […]

How Credit Scores Affect Interest Rates

It is a primary concern for those with a mixed credit history when considering applying for any type of finance. Not only the prospect of being declined for a loan, but also the possibility of any loan coming with higher interest rates. Moolr have taken a look at how credit scores affect interest rates. Your […]

Credit Reports & Cifas Markers

Even if you are familiar with credit reports, credit scores and more, you may not have heard of Cifas. That is understandable, as not many have! With that in mind, Moolr thought it would be a good idea to take a brief look at credit reports & Cifas markers. What Is It? Cifas is a […]

What are the main disadvantages of having a bad credit score?

As you are making out your credit cards and ignoring your bills, it might not dawn on you that your credit could be affected. The timeliness of your credit card payments and the amount of debt you are carrying have the biggest impact on your credit score. Mess up in these areas and your credit […]

How To Check Your Credit Score

For those looking to borrow money, or for anyone who uses finance in their life, credit scores are everything. A good score means you have access to the best deals on the market, at the best rates. A poorer score however means that you will be restricted in what you can borrow. What’s more the […]

What’s the difference between a soft and hard credit search?

When you apply for a loan, the lender will almost certainly carry out a credit search. There are two types of credit searches. Firstly, a ‘soft search’ and also a ‘hard search’. These searches can affect your credit report in different ways. Thus, it is useful to understand the difference between a soft and hard […]

How to get car financing with a bad credit score

If you have credit issues and want to get a car on finance, your options may be limited. But there is still hope. How your bad credit rating impacts your chances of getting a car on finance. In a nutshell, your bad credit rating is a score that reflects how good of a borrower you […]

Things That Damage Your Credit Score

It is an extremely common concern of those looking to borrow money that their credit score may prevent them from doing so. The current economic climate does not help. Banks have seemingly become more reluctant to lend money, though other lenders are less so. Unfortunately, if you’ve got anything less than a spotless credit rating, […]

Credit Myths

For those that wish to borrow money, the state of a person’s credit score is crucial if they are to be accepted for a personal loan. It is not surprising therefore that a lot is written about how to improve a credit rating, or maintain a good score. However, not all the advice is pertinent, […]

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