Articles Published by sam griffin

Electoral Roll: Leaving it to the last minute

The recently confirmed December election is causing a stir for a few reasons. It’s statistically unusual as the first December election in nearly 100 years and the timing has raised questions among voters, previously unconsidered at this time of year, such as ‘how do I register to vote’, ‘when is the deadline’, and ‘how do I check that I’m registered?’

Published on 8 Nov 2019 by Sam Griffin

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How do I change my address on the Electoral Roll?

A letter from your local council reminding you to register to vote and asking you to confirm that your details are correct for 2019/2020 should have been delivered some time ago.

Published on 7 Nov 2019 by Sam Griffin

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Apple Credit Card – Modern Innovation or More of the Same?

Apple’s first foray into consumer credit is finally available - to US iPhone owners at least.

Published on 24 Oct 2019 by Sam Griffin

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Which Credit Reference Agency is Best?

Whenever you make an application for credit, you’ll naturally want to do everything you can to improve your chances of being accepted. So, given the vital role that Credit Reference Agencies play in the process, should you try and get the decision based on any particular one? To help answer that question, we take a wider look at how everything works.

Published on 17 Oct 2019 by Sam Griffin

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What Lenders Want To See On Your Credit Report

Your Credit Report holds a huge amount of information about you and your past relationship with credit. It’s collated from a wide variety of sources, is always changing and plays a major part in any lending decision - but you shouldn’t be afraid of what it shows.

Published on 2 May 2019 by Sam Griffin

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The Reason Why Employers Carry Out Credit Checks

Credit checks are commonplace in the UK these days, playing a major role in events such as applying for a mortgage, car finance and renting a property to name just a few. Less commonly known is that sometimes even a new job can require that you pass a credit check as part of the selection criteria.

Published on 1 Apr 2019 by Sam Griffin

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Why Did a Credit Reference Agency Reject My Application?

Whenever you make an application for credit or borrowing, you will almost certainly be subject to a credit check using data from one or more of the UK’s Credit Reference Agencies . It can be an anxious moment while you wait for a decision and sadly there is always a chance that you’ll be turned down.

Published on 4 Mar 2019 by Sam Griffin

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We're Now More Likely To Be Borrowers Than Savers

UK Households are now more likely to be borrowers than savers, with savings at their lowest since 1963, according to a study by the Office for National Statistics. Households are increasingly borrowing more – by taking out loans, car finance, and mortgages – than they are collectively depositing into savings accounts.

Published on 5 Oct 2018 by Sam Griffin

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UK Households More Likely to be Borrowers Than Savers

UK Households are now more likely to be borrowers than savers, with savings at their lowest since 1963, according to a study by the Office for National Statistics. Households are increasingly borrowing more – by taking out loans, mobile phones, car finance, and mortgages – than they are actively depositing into savings accounts.

Published on 3 Sep 2018 by Sam Griffin

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What are Satisfied and Settled Credit Accounts?

What's the difference between Settled and Satisfied on your Credit Report?

Your Credit Report contains a huge amount of information about you, and how you’ve managed your credit agreements in the past. Different parts of your report will have a different level of influence on how you will be judged by a typical lender, but there are some entries where a small variation can have a big difference.

Published on 2 Jul 2018 by Sam Griffin

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