Articles Published by kelly luff

Kelly has a degree in Media Arts from the University of Plymouth. A previous competitor in Masterchef, Kelly writes mostly on matters relating to personal finance and banking. Kelly is a Marketing Executive at checkmyfile.

Guarantor loans can affect mortgage applications, lenders warn

Guarantor lenders are always keen to point out that you don’t need a credit report check to get their loan, just a friend or family member who has a good credit history and is able to act as a guarantor. For those with a poor credit rating, this type of loan provides a solution to a problem – they can afford the loan repayments but are unable to get credit due to prior adverse credit history.

Published on 9 Jan 2018 by Kelly Luff

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Cleaning Up Your Credit Report – All about 'Credit Repair'

Terms such as ‘credit repair’ and ‘credit fix’ are often used by companies offering services to remove black marks from your credit report. So can they repair your credit score and leave your credit history blemish-free, or is it too good to be true?

Published on 7 Aug 2017 by Kelly Luff

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How Late Payments Affect Your Credit Score

There are plenty of reasons why you might have missed a payment on your loan or credit card, and chances are your most immediate thoughts are about making the payment to the lender and making sure everything is square.

Published on 23 May 2017 by Kelly Luff

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Will checking my credit report affect my credit score

Does checking your credit report affect your credit score? This is a question we are often asked, as more and more consumers regularly access their credit history to check for errors.

Published on 7 Apr 2017 by Kelly Luff

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Is a credit building card a good idea

A credit building credit card is most often used by people that are either looking to improve their credit rating or take out their first credit card.

Published on 24 Mar 2017 by Kelly Luff

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What to do if you get declined for credit

Have you been declined credit lately? When you apply for a new credit card or a loan, it is likely that you have the money earmarked for something in particular. Perhaps it’s a wedding, a holiday, or consolidation of existing debts. But whatever your reason for borrowing, being declined for credit can really throw you into a panic, especially when you have no idea why you weren’t accepted.

Published on 16 Mar 2017 by Kelly Luff

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Less Than Perfect Credit Score When You Are Cash-Rich

You might tick all the boxes in terms of financial stability – you may have paid off your mortgage, own your own car outright and have a hefty savings and pension pot. So why is your credit score not 1000 out of 1000?

Published on 8 Mar 2017 by Kelly Luff

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Impacts of late payment on your credit card agreement

We’ve all done it before – had that mad panic when we’ve forgotten to pay a bill. But what happens if you do forget to pay your credit card by the monthly repayment date?

Published on 20 Feb 2017 by Kelly Luff

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The best credit score for a mortgage

A lot of customers come to checkmyfile because they are planning on applying for a mortgage – your credit report is, after all, the best place to start is it’s helpful on more than one occasion . But often the question is often asked: “what credit score will get me the mortgage I need for my dream home?”

Published on 16 Feb 2017 by Kelly Luff

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Contactless helps debit card spending figures

Contactless payment looked as though, for a while, it could be something of a damp squib. While the banks and credit card providers appeared convinced that we’d all be going contactless, for a long time it seemed to be rarely used outside of London, where people were more used to using it for transport.

Published on 18 Jan 2017 by Kelly Luff

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