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.

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. In fact, on many credit file providers’ reports if you see an ‘AR’ appearing in the payment history of an account, this 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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Communications Ombudsman Complaints

Has your mobile provider ever cancelled your direct debit without you realising? Maybe you first find out when the demand for payment comes through the door.

Published on 2 Dec 2016 by Ben Ryland

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Students understanding of debt is seriously lacking

Christmas is an expensive time of year. Though for many students, this is just as relevant for most other times of the year too.

Published on 29 Nov 2016 by Ben Ryland

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Another giant data breach

Only last year a communications giant had a serious data breach, which left customer’s details in the hands of fraudsters. But following in Talk Talk’s footsteps, the mobile giant Three have revealed that over 400 phone handsets had been stolen thanks to a security breach where fraudsters were able to login to Three’s systems.

Published on 22 Nov 2016 by Ben Ryland

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