Articles Published by neil greenhill

Neil has a degree in Law and Politics from Cardiff University. He is also an Associate Member of the Institute of Credit Management. He is a keen runner and cyclist. All topics surrounding credit and personal finance are covered by Neil’s articles. Neil is a Senior Credit Analyst at checkmyfile.

Which accounts will show on your credit file

Credit account information relies on lenders to report those accounts to the UK’s Credit Reference Agencies. Not all types of account will appear on Credit Reports for this reason, so while some regular monthly payments will show up there, many others won’t.

Published on 12 Jul 2018 by Neil Greenhill

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Address links: why and how

It may surprise you to learn that the credit agencies don’t keep an official list of addresses where you have lived – in fact no such register is compiled in the UK. Credit agencies are only made aware of an address change when you change the address on one of your existing accounts or where you supply an address as a past address when making an application for credit.

Published on 18 Jan 2017 by Neil Greenhill

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Search types and their effect on your credit score

The effect of a search on your credit score or ability to obtain credit depends on the type of search recorded, how many searches have been recorded and even who is recording them.

Published on 13 Jan 2017 by Neil Greenhill

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UK Inflation rate registers surprise drop

The Consumer Price Index measure of inflation has dropped from 1% in September to 0.9% in October, according to official government figures compiled by the Office for National Statistics (ONS). This figure came as a surprise to markets as all the signs were that inflationary pressures were starting to build, with many predicting the rate would rise to 1.1%.

Published on 18 Nov 2016 by Neil Greenhill

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Further Job cuts and Branch closures at Lloyds

The Lloyds Banking Groups is set to cut a further 665 jobs and close a further 49 branches as part of its continuing drive to cut costs.

Published on 14 Nov 2016 by Neil Greenhill

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Surge in House prices recorded in October

House Prices shot up in October, showing a monthly increase of 1.4%. This is according to Halifax’s house price index, which showed its largest monthly rise since March. The growth was well up on the 0.3% recorded by Halifax in September and is in contrast to the signs of a slowing housing market recorded in its index over the last 6 months.

Published on 10 Nov 2016 by Neil Greenhill

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Bank of England indicates massive increase in inflation for 2017

The Bank of England has reassessed its 2017 inflation forecast in the wake of Brexit and increased its prediction to triple the current rate of inflation. The UK’s central bank now expects the rate of inflation to reach 2.7% next year, whereas the current level stands at 1%.

Published on 7 Nov 2016 by Neil Greenhill

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Statute Barred Debt, how it works and how it affects your credit report

A Statute Barred debt is effectively a debt where the time a creditor has to chase a debt has passed, protecting the debtor against further court action. Contrary to popular belief, though a statute barred status will prevent further legal action, it does not mean that your debt is written off.

Published on 5 Apr 2016 by Neil Greenhill

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40 - You may be too old for a mortgage

Experts are warning that borrowers as young as 40 are struggling to obtain a mortgage due to their age.

Published on 26 Feb 2016 by Neil Greenhill

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The UK is urged to scrap high donomination Bank notes

A former boss of Standard Chartered Bank has urged Governments to end the production high denomination bank notes and remove them from circulation, with the intention of reducing financial crime and tax evasion. This was the conclusion of a research paper written by Peter Sands, who also advises the UK government.

Published on 17 Feb 2016 by Neil Greenhill

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