Published Articles

Our team, past and present, have written countless Artices over the last 10 years on key credit matters as well as providing commentary on current affairs with a direct impact on UK consumers - typically coming from a financial perspective.

How your credit file could help you get a good mortgage deal

How to use your credit report to get a great mortgage deal in 2019

There have been plenty of reasons to get people thinking about making that first leap onto the property ladder in recent months, including Help to Buy schemes, the removal of stamp duty charges for about 95% of first time buyers and an increase in affordable houses being built.

Published on 20 Nov 2018 by Kiah Phillips

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The Current Status of This Year's Annual Canvass

Has the annual canvass included your 2019 electoral roll information?

Unless you've recently moved, by now you should have received a household enquiry form asking you to confirm your details for the 2019 Electoral Roll as part of the Annual Canvass.

Published on 16 Nov 2018 by Paul Anderson-Riley

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Am I On The Electoral Roll? How to Find Out

Find out if you're on the 2019 Electoral Roll Online

In addition to providing the ability to vote, being registered on the Electoral Roll (sometimes called the Electoral Register) is of vital importance when it comes to your credit rating and how you'll be assessed. An Electoral Roll listing is often considered 'the hook on which all other data hangs' and therefore plays a key role in establishing a strong credit file.

Published on 10 Nov 2018 by Tom Magor

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Why Mortgages Might Be Agreed In Principle Then Declined

Getting your mortgage Agreed in Principle (also known as a Decision in Principle or AIP) is an important step towards finally getting into a new home, but the relief of getting an AIP can be short-lived if you then get turned down when applying for the actual mortgage.

Published on 29 Oct 2018 by Jamie Mackenzie Smith

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How to Build Your Credit History From Scratch

When it comes to building a credit history we all start from square one, but for some people this challenge can happen more than once, or much later in life than average. That might be because they’ve never borrowed money and have no credit history to speak of, or because they have had a financial setback and are starting again from scratch. No matter the reason, the catch 22 of applying for credit is that without previous proof of having and managing credit well, you’ll find it harder to be accepted.

Published on 21 Oct 2018 by Beth Jennings

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Is My Address On A Credit Blacklist?

If you’re suddenly declined credit there could be any number of reasons behind the lender’s decision, including a lack of credit history, adverse information on your Credit Report or simply an issue with the affordability of what you want to borrow. If there’s one thing that you can be confident isn’t to blame though, it’s that your address has been put on a Credit Blacklist.

Published on 16 Oct 2018 by Tom Magor

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How do I change my address on the Electoral Roll?

A letter from your local council reminding you to register to vote and asking you to confirm that your details are correct for 2018/2019 should have been delivered some time ago.

Published on 11 Oct 2018 by Sam Griffin

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Tesco Online Grocery List Disappears

After well over 10 years of using Tesco’s online grocery service, all of sudden, all of my Tesco order history has disappeared, alongside all the information stored in My Favourites – purchases made in-store and online over the past 13 months, My Usuals, and My Shopping Lists.

Published on 9 Oct 2018 by Barry Stamp

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How To Get The Best Car Finance Deals

New car sales may have slowed in recent years, with the economy, emissions scandals and Millennials all being cited as the root cause at one point or another. But the number of people choosing to use credit as a means of driving away in a new car continues to rise, according to figures from the Finance & Leasing Association which shows that the new car finance market grew by 15% in July 2018 when compared to the previous year.

Published on 8 Oct 2018 by Kiah Phillips

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We're Now More Likely To Be Borrowers Than Savers

UK Households are now more likely to be borrowers than savers, with savings at their lowest since 1963, according to a study by the Office for National Statistics. Households are increasingly borrowing more – by taking out loans, car finance, and mortgages – than they are collectively depositing into savings accounts.

Published on 5 Oct 2018 by Sam Griffin

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