Mortgage lenders will need to look at your credit score, but keep in mind they’ll also look at your credit report as a whole and your financial situation to assess the affordability of a mortgage loan. Obtaining a mortgage with bad credit can be challenging, especially if you have…
What are Credit Reference Agencies? Credit Reference Agencies decide your credit score. A credit reference agency (CRA) is an independent organisation that collects and stores financial data about you for the purpose of helping lenders decide whether you should be approved for financial products like credit cards, loans or…
Life can get busy quickly and when you’re under stress, it’s hard to remember everything. Sometimes paying a bill can slip your mind but not paying one bill can have a long-lasting impact on your credit score. That’s where our new feature comes in to help! Portify users will…
Halifax (owned by Lloyds Banking Group), is a major UK banking institution that started as a building society in (you guessed it) Halifax, West Yorkshire. They have been around since 1853 and are known for a wide array of products and services including: Current & Savings Bank AccountsLoansCredit CardsMortgagesISAsInvestingInsuranceMuch…
Credit builder cards are credit cards designed for people with no credit or poor credit, who want to raise their credit score. Read: Credit Builder Cards ExplainedYour credit score is a lenders’ way of assessing your financial stability when deciding if you qualify for a loan or credit line. …
Credit builder cards offer another way of building credit for those who have bad or no credit. But are they worth it for you and your financial situation? In this post we will cover everything you need to know about credit builder cards and explain how they are used…
Borrowing money is something most of us will have to do in our lifetimes. Unless you have enough money lying around to buy a house or car outright, this guide will be useful to you at some point in your life. You might be buying a new home or…
Credit Boost is the new way to build credit with Experian. Credit Boost is a 12-month loan that you repay in 12 monthly payments. Repaying this loan can help to build a positive repayment history with Experian, our credit rating agency partner. Join a community of users who have…
1. Use a Store Card 2. Report Rental Payments to Credit Agencies 3. Use Credit Builder Apps to Build Your Credit Score 4. Switch to a Credit Meter to Report Utility Payments 5. Get a Credit Builder Loan 6. Set up Direct Debits on Bill Payments 7. Get on…
The FlexPlus account from Nationwide falls under the packaged account category which typically combines a current account with an insurance product or other benefit such as airport lounge access. In this review we discuss the benefits and drawbacks of this popular account to help you decide whether it makes…