Debt can be expensive, stressful and damaging for your financial future. Missing one or two payments has the potential to spiral into a serious problem unless you can act quickly....
No matter what you read on the internet, you cannot get a UK credit card without undergoing a credit check. A hard credit check is an important and unavoidable part...
For people who habitually go into their overdraft each month or have become significantly overdrawn, it can be difficult to see how to clear the debt and stay out of...
The representative APR is a figure that borrowers can use to compare the cost of loans and credit cards. Taking out a loan or getting a credit card means taking...
It is useful to check your credit score regularly, but it is especially important to check before you apply for credit. Your credit score can give you a good indication...
Secured loans are different to unsecured loans because the borrower is required to put up an asset as security. You will still need to repay the money you borrow –...
Hire Purchase (H.P.) is a way of buying a car or other vehicle and paying in monthly instalments. It is a popular option for buying cars, but may not be...
With Buy Now, Pay Later (BNPL), consumers are encouraged to purchase goods and spread the payments. It is offered by companies including Klarna, Clearpay, PayPal and joined more recently by...
TotallyMoney is a service that allows users to view their credit records through the UK's main credit reference agencies for free. We explain how it works, the key features and...
A low credit score is usually a sign that you are not considered a reliable or trustworthy borrower. There could be a whole host of reasons for this, some of...
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