Articles Published by jamie mackenzie smith

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. To see if you have any active CCJs or to find out the status of all your existing judgments, you can check your Credit Report at any time.

Published on 26 Mar 2019 by Jamie Mackenzie Smith

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Why Insurance Quotes Use Credit Checks

When you go online to get an insurance quote (be it home, car or most other products that involve a monthly premium) you may unknowingly be only a few clicks away from undergoing a credit check. Very often you won’t even see a specific notification before it happens unless you read through the company’s terms and conditions in their entirety.

Published on 8 Mar 2019 by Jamie Mackenzie Smith

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Can You get A Mortgage With A Default, CCJ or Arrears?

Even for homeowners that have been through the process before, applying for a mortgage can be a lengthy and often stressful process. For anyone with a history of adverse credit, it can be even more disconcerting - especially if you’re not sure how negative information on your Credit Report such as late payments, Defaults, or Court Information might affect a potential mortgage lenders’ decision.

Published on 12 Feb 2019 by Jamie Mackenzie Smith

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Can Social Scoring Really Affect Credit Applications?

Increased consumer awareness of the importance of a good Credit Score in recent years means that most people applying for a mortgage, loan or other form of finance know that the odds of their application being successful largely depend on the information contained within their Credit Report (among other factors) and how the lender in question interprets it.

Published on 24 Jan 2019 by Jamie Mackenzie Smith

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What Credit Checks Look For When You Switch Energy

As we get deeper into Winter, it’s inevitable that millions of consumers across the UK will end up using more energy and spending more on bills due to the colder weather and long stretches of darkness.

Published on 9 Jan 2019 by Jamie Mackenzie Smith

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Can Right to Erasure Get Rid of Bad Credit History?

General Data Protection Regulation (GDPR for short) was introduced on 25 May 2018 and unless you’ve managed to avoid the internet and checking your emails completely for the past year, you’re likely to have been bombarded with messages from nervous sounding websites updating their data policies.

Published on 3 Jan 2019 by Jamie Mackenzie Smith

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How To Take Out Credit When Overseas In The Armed Forces

It’s no secret that the number of the UK’s active military personnel is set to decline further between now and 2020, but of the 145,000 UK Regular Forces across the Army, Navy and Air Force in 2018, as many as 18,500 served overseas during that time. With the recent news that the Army will accept recruits from commonwealth countries as well, a further portion of our armed forces is likely to be based overseas in the coming years.

Published on 27 Dec 2018 by Jamie Mackenzie Smith

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Why Your Credit Report is Like A Financial Dating App

We’ve spoken in the past about the link between a higher credit score and your romantic prospects, but the two topics might be even closer together than you think. That’s thanks to an emerging trend of dating apps that put a greater emphasis on your dating history in order to help potential future dates better assess whether you’re what they are looking for.

Published on 5 Dec 2018 by Jamie Mackenzie Smith

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Affected by the Marriott Hack? Here’s What To Do

If you’re one of the 500 million consumers to have stayed in a Marriott-owned Starwood chain hotel in the past four years, there’s a chance your personal information could have been compromised in what could be the second biggest ever data breach.

Published on 30 Nov 2018 by Jamie Mackenzie Smith

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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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