Articles Published by jamie mackenzie smith

How long it takes to update credit file information

Time is usually of the essence when applying for credit, so making sure your credit report is in good shape before the lender sees it can mean the difference between a quick and painless application and a lengthy, drawn-out process.

Published on 16 Jan 2018 by Jamie Mackenzie Smith

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Your Guide to Open Banking

On 13 January, the UK banks embarked upon arguably one of the biggest changes to personal finances since the introduction of computers. Open Banking is aiming to make it easier for banks, lenders and consumers to access and share information, with a view to creating new products and opportunities through innovation and increased competition.

Published on 15 Jan 2018 by Jamie Mackenzie Smith

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Turned Down For Credit? Find Out Why.

Getting declined credit can be a huge blow to your plans, especially on potentially life-changing purchases like car finance or a mortgage. Even if you have a good financial history, there are plenty of reasons to get declined credit, and finding out why your application was declined and addressing this problem is the first step to making sure that you won’t be turned down the next time you apply.

Published on 4 Jan 2018 by Jamie Mackenzie Smith

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8 occasions your Credit Report can help when moving house

For many people, the first time they pay close attention to their credit score is when applying for their first mortgage. As a result, some consumers find themselves being declined for the simple reason that they haven’t built and maintained a good credit history leading up to their mortgage application - something that could reduce the chances of getting accepted for any type of finance.

Published on 29 Dec 2017 by Jamie Mackenzie Smith

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What The 2017 Autumn Budget Means For First-Time Buyers

Wednesday’s autumn budget brought great news to would be first-time homeowners: if you’re buying a home up to the value of £300,000, you won’t have to pay stamp duty for the property. This, the Conservative Party estimate, will benefit 80% of first-time buyers, saving them potentially thousands of pounds on the total cost.

Published on 28 Nov 2017 by Jamie Mackenzie Smith

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