How to Get a Mortgage With Bad Credit

While having a good credit score is certainly helpful during the application process for obtaining a mortgage, it’s not the only factor. Lenders take a look at the entire financial picture on applications and take into account positive financial changes when making their decisions; however, certain negative marks on…

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How much money can you save with a good credit score?

Most people will say having a good credit score matters. They say it saves you money, and they’re right. But there’s not enough information out there telling you how much. Will a good credit score save you 50p? £500? £5,000? More?  As a company, Portify is committed to building…

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The Top Credit Builder Tools for 2021

Credit building has never been more important as we enter a new year coming off of a tough year in which the UK economy contracted by 11.3%. The financial benefits of having good credit are abundant, but don’t panic if you have poor credit. There are more options than…

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How to Protect your Credit After a Breakup or Divorce

We’ve all heard horror stories of a bitter ex taking out loans or credit cards in their significant other’s name after a breakup or divorce. While this occurrence is highly illegal and constitutes identity fraud in the UK, it does happen. In fact, some of our members have confronted…

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8 Tips to Get Your Credit Fixed in 2021

A new year is here and people all over the UK are looking to turn the page and move forward. As we emerge from a challenging 2020, you might want to take a look at your finances and plan for the year ahead.  If fixing your credit is one…

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Are There Mortgage Lenders That Don’t Need Credit Scores?

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…

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Everything You Need to Know About Credit Reference Agencies

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…

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We are launching our latest feature: Bills alerts!

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…

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Halifax Credit Checker Explained

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 Accounts Loans…

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Credit Builder Card Alternatives

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. …

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