Using Credit Archives - Page 5 of 17

Using Credit

LOQBOX Review - Should you use it to improve your credit score?

By Lauren Burrows

27 min Read 25 Jun 2020

LOQBOX was founded by Tom Eyre and Gregor Mowat having grown frustrated with the lack of help and support that...

Tips, Mortgages, Using Credit, Owning A Home

Money tip #73 – Start ‘big picture’ budgeting

By Damien Fahy

21 min Read 16 Jul 2019

The fact is if you want to manage your finances you will eventually have to budget to ensure that you...

Mortgages, Using Credit, Owning A Home

How to get a mortgage even if you have taken out payday loans

By Darren Amos

19 min Read 16 Mar 2016

Borrowing money from a short-term lender (often referred to as a payday loan) can seriously affect your chances of getting...

Credit Report, Tackling Debt, Mortgages

How to get a mortgage with a poor credit rating

By Darren Amos

15 min Read 02 Jul 2014

People automatically assume that if you have a poor or adverse credit history, or have ever been made bankrupt, you can not get a mortgage. This is not true and in the Q&A below I explain how to get a mortgage with a poor credit rating. Can I get a...

Credit Cards

5 things to check on any 0% balance transfer credit card offer

By Damien Fahy

4 min Read 23 Jun 2014

0% balance transfer cards can be a useful tool when trying to tackle debt (here is a roundup of the best 0% transfer credit cards at the moment) But remember credit card companies aren’t your friends and they are looking to make a profit from you. So below I list...

Tackling Debt, Uncategorized

The size of the UK personal debt problem exposed

By Liam Fahy

4 min Read 13 May 2014

Will we ever jump off the debt treadmill? Last week The Money Charity released its latest figures on the level of personal debt in the UK. The figures were quite alarming showing the biggest increase in the level of loans and overdrafts (excluding credit cards & mortgages) since February 2008....

Credit Report, Mortgages, Using Credit, Ask Damien

Reader Q: Will unused overdrafts affect my chance of getting a mortgage?

By Damien Fahy

3 min Read 24 Apr 2014

Reader question: I am currently trying to save ahead of moving house later this year. I was very interested in your article “How to earn 6.5% interest on your cash in a year” – particularly aspects such as earning the £100 welcome gift from Halifax for switching account. I have...

Tackling Debt

New bailiff laws to crackdown on aggressive tactics

By Liam Fahy

2 min Read 08 Apr 2014

New bailiff laws will crackdown on aggressive tactics New sweeping changes to the way bailiffs can enforce debt repayments came into force on 6th April 2014 in England & Wales. Why have the new bailiff laws been implemented? The current laws relating to bailiffs are unclear and confusing The confusion...

Tackling Debt, Credit Cards

How to cut the interest on your credit cards in 4 steps

By Liam Fahy

3 min Read 19 Dec 2013

It makes sense if you are using any type of credit to get the lowest interest rate available. This is particularly important if you are using credit cards on a regular basis, as the interest rates on these will be high. Most people are probably aware of the practice of...

Credit Cards

Best credit card deals - for balance transfers, 0% on purchases & cashback

By Damien Fahy

1 min Read 11 Oct 2013

Here is a roundup of the best credit cards for: balance transfers 0% on purchases best cash back credit cards Best 0% Balance Transfer Deals [box type="shadow" ] Barclaycard Freedom rewards- 29 months, 2.99% transfer fee Purchase APR - 18.9% Annual fee - none [button color="green" size="medium" link="http://www.barclaycard.co.uk/personal/credit-cards/platinum-balance-transfer"...

Credit Report

10 credit rating myths (& the true facts)

By Damien Fahy

5 min Read 15 Sep 2013

There are a lot of myths surrounding credit scores which at the very least confuse consumers but at the worst could inadvertently damage their chances of getting accepted for credit....

Guides, Mortgages, Using Credit, Owning A Home

A guide to mortgages

By Damien Fahy

8 min Read 09 Sep 2013

Travel, Credit Cards

The cheapest & best cards to use on holiday

By Damien Fahy

7 min Read 26 Jul 2013

A lot of people avoid using their debit and credit cards on holiday due to the lack of clarity and size of the charges applied when they do. The attractions...

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