Articles Published by ben ryland

Ben has a degree in International Business and Management from Aston University. Prior to working for us, Ben spent a year working for an IT firm in France. He writes on a wide range of issues across all areas of credit and personal finance. Ben is a Senior Credit Analyst at checkmyfile.

If I Pay My CCJ Will It Go Away?

2017 saw the highest number of County Court Judgments (CCJs) issued in England and Wales since records began in 2005, according to official figures by Registry Trust. That means it’s more important than ever to make sure you know what to do if you get issued with one, and how to prevent one appearing on your credit file in the first place.

Published on 23 May 2018 by Ben Ryland

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10 Things That Might Be Affecting Your Credit File

At some point or another, pretty much everyone has their credit file checked. Whether you’re applying for a job, trying to rent a property, applying for a mortgage, loan or credit card or even comparing insurance quotes, the information your credit file contains will give potential lenders a detailed window into your credit history. It’s about so much more than just your score.

Published on 15 May 2018 by Ben Ryland

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Understanding a default notice and what to do when one arrives

No one wants a default on their credit file, but sometimes there’s little you can do to prevent it. Perhaps your household income dropped due to redundancy, you’ve suffered an illness or an unexpected large expenditure has cropped up. Whatever the reason, in times of hardship financial commitments are often among the first things to be affected.

Published on 21 Mar 2018 by Ben Ryland

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Arrangement to Pay markers

Have you seen an ‘AR’ mark on your credit file? Chances are you might glance at the letters and assume that they relate to payment arrears. However, on many credit file providers’ reports an ‘AR’ appearing on the payment history means an arrangement to pay has been recorded on the account.

Published on 20 Feb 2018 by Ben Ryland

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Keeping your electoral roll up-to-date after moving house

There is nothing more stressful than moving house. The planning, the packing, the panicking. Trying to find those tiny keys for the windows - I’m sure I saw them once when first moving in and never again.

Published on 27 Feb 2017 by Ben Ryland

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Consolidating Debt

Do you have what seems a never-ending mountain of debt and you’re struggling to know what you’re paying and to who? If so, you may be considering debt consolidation, in particular a debt consolidation loan.

Published on 9 Jan 2017 by Ben Ryland

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Growth of hobbies becoming businesses

If you have an interesting variety of hobbies that keep you busy, you may just have the right hobby that could make you millions…or £48,000, according to 25% of Brits.

Published on 4 Jan 2017 by Ben Ryland

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Early Repayment Penalties

What is an early repayment penalty?

Published on 3 Jan 2017 by Ben Ryland

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Mortgages through your mobile

Mobile bank provider Atom are launching the UK’s first mobile mortgage app. Applications for a mortgage often involve mountains of paperwork and Atom’s mortgage app is designed at reducing the volume of paperwork that applicants have to gather when applying for a mortgage.

Published on 8 Dec 2016 by Ben Ryland

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Why those with high credit scores might get rejected

Does an excellent credit score mean you will always get the credit you apply for? Well, no it doesn’t.

Published on 5 Dec 2016 by Ben Ryland

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