Published Articles

Our team, past and present, have written countless articles 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.

Is there discrimination in credit assessment?

Apple could find itself in hot water in the US after a weekend of high-profile claims that applicants to its recently launched Credit Card were discriminated against on the basis of gender.

Published on 11 Nov 2019 by Barry Stamp

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Electoral Roll: Leaving it to the last minute

The recently confirmed December election is causing a stir for a few reasons. It’s statistically unusual as the first December election in nearly 100 years and the timing has raised questions among voters, previously unconsidered at this time of year, such as ‘how do I register to vote’, ‘when is the deadline’, and ‘how do I check that I’m registered?’

Published on 8 Nov 2019 by Sam Griffin

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Am I On The Electoral Roll? How to Find Out

With the officially confirmed December 2019 general election just around the corner, it’s vital that you ensure your Electoral Roll information is correct.

Published on 7 Nov 2019 by Tom Magor

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Do I Have a CCJ? How To Find Out

If you have a County Court Judgment (CCJ) in your name, it can have a serious impact on your Credit Score and ability to borrow for the entire time it is active, as well as potentially affect the outcome of the checks carried out by prospective employers, landlords and insurers.

Published on 7 Nov 2019 by Jamie Mackenzie Smith

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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 2019/2020 should have been delivered some time ago.

Published on 7 Nov 2019 by Sam Griffin

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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 7 Nov 2019 by Jamie Mackenzie Smith

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Could your Netflix and Spotify subscriptions help build your Credit Score?

Building creditworthiness takes time and diligence. At the heart of improving your Credit Rating is the simple habit of managing existing credit agreements well, and proving to potential lenders that you are a good credit risk.

Published on 31 Oct 2019 by Andrew Brown

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Apple Credit Card – Modern Innovation or More of the Same?

Apple’s first foray into consumer credit is finally available - to US iPhone owners at least.

Published on 24 Oct 2019 by Sam Griffin

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Which Credit Reference Agency is Best?

Whenever you make an application for credit, you’ll naturally want to do everything you can to improve your chances of being accepted. So, given the vital role that Credit Reference Agencies play in the process, should you try and get the decision based on any particular one? To help answer that question, we take a wider look at how everything works.

Published on 17 Oct 2019 by Sam Griffin

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Why do I get different Credit Scores?

The first ever idea of a Credit Score was introduced in the 1950s in the United States. Almost by accident, as Bill Fair and Earl Isaac discovered that a study looking at a potential predictor of ill health could be better used to predict bankruptcy and default. They teamed up to form Fair Isaac, Inc, now FICO, to sell credit scores to lenders. FICO scores are now household names by consumers in the US, as they are used extensively, with little competition.

Published on 3 Sep 2019 by Andrew Brown

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