Archive | Debt Problems

Debt Problems

How to trash your credit rating and how to avoid it

The Money Saving Expert has discovered that in the last five years, most people’s attitude to their credit status was, “It must be OK – I’m always being offered cards and loans.” Today, things couldn’t be more different. Banks facing the combined effects of the credit crash and recession have tightened their lending criteria so […]

Continue Reading 2

Explain My Credit Score So I understand

Explain My Credit Score Can someone explain my credit score to me? Just as the world is warming up, the credit climate has undergone a profound change since the recession took hold our money expert discovered. According to the latest Bank of England figures, around 1.6 million of us apply for some form of credit […]

Continue Reading 1

Mortgage update for Homeowners looking for better Mortgage deals

For every ten homes sold last month one was a remortgage. Until more mortgages arranged are remortgages each month I very doubt that property prices will drop any further. The reason for the house prices being unreasonably buoyant is due to the fact that for every ten houses sold only six new homes are coming […]

Continue Reading 0

Money Advice and Tips to coping with redundancy

As a finance guru I am often asked for tips and advice for someone who has just been made redundant. How should they cope with protecting their finances and their credit report? The spectre of losing your job can be terrifying, especially when vacancies are at a record low. But once the initial shock has […]

Continue Reading 2

How to get a green light for your next mortgage and not the mortgage blues

Getting a mortgage is going to be a lot tougher – particularly for people with a less-than-perfect credit history or anyone whose income has previously been self-certified. The money saving expert recently heard the account of a lady who had missed one credit card payment and a council tax payment in the last twelve months. […]

Continue Reading 0

How to Beat Identity fraudsters

It makes sense to get wise to the dirty tactics played by the Identity fraudsters and start protecting your identity by following our finance tips to protect your finances today.It’s never been more gruelling to stay ahead of the criminals who compete to steal your ID, take over your accounts and run up debts in […]

Continue Reading 0

Mortgage lenders to test borrower’s affordability for home loans

The Financial Services Authority (FSA) has released their mortgage market review discussion paper and they have outlined their proposal for tougher regulations. It is evident that they will be more authoritarian and intrusive in the way they regulate the mortgage industry in future. The FSA want to control the industry as they believe the industry […]

Continue Reading 0

Top tips: how to improve your credit rating

  The days of easy credit are long gone – if they ever existed. Now, you need a really good credit rating to be in with a chance of getting the best deals. These money saving tips could help you. Understand how lenders make decisions. They calculate your credit rating (or score) by giving a […]

Continue Reading 0

Coping with Redundancy

The spectre of losing your job can be terrifying, especially when vacancies are at a record low. But once the initial shock has worn off, redundancy can herald a new beginning – a chance to set up your own business, use any pay-off to clear your debts or find a role that gives a better […]

Continue Reading 0

Reasons for claiming Payment Protection Insurance (PPI)

By following our expert money saving tips you can protect your finances today. HERE ARE A FEW REASONS WHY YOU CAN CLAIM? If you can answer ” YES ” to any of the questions below then you may be entitled to make a claim fro mis-sold Payment Protection Insurance: Has your PPI provider been fined […]

Continue Reading 1

Unemployment is still rising what are your views? – Recession News

Unemployment has now risen to 2.38 million in the last three months, the Office for National Statistics reported. Unemployment figures do not indicate the depth of the recession or when we are nearing the end. Businesses are still fighting for their survival and they continue to cut jobs as a way of saving money in […]

Continue Reading 0

Check My Credit History – Truth Behind Your Credit History

Check My Credit History Myths Knowledge is power when it comes to understanding your credit history you need to have the information. Check my credit history is something everyone of us needs to do ea couple of times a year. Your credit history is reflected in your credit report, which lists credit cards, loans, mortgages […]

Continue Reading 1

CreditExpert – The first timer’s guide to surviving the recession

Surviving The Recession With CreditExpert Recessions come and recessions eventually go but if you were born in the 1980s or 1990s, you may not know what to expect or how to cope during a period of financial uncertainty. This guide gives all you first-timers a few pointers to surviving until the next boom comes around. […]

Continue Reading 1

How to cut back without losing out – Debt Advice

We all need to be careful with money at the moment and money saving tips and expert advice is always welcome  – but we’re used to enjoying a high standard of living and regular indulgences. From the big things, such as a wedding or holiday, to everyday necessities, like electricity and food, these tips could help you […]

Continue Reading 1