TalkMoneyBlog provides free financial help and information to all our readers on a regularly bases.

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 that [...]

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. [...]

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 [...]

Here are some finance tips that suggest your credit rating could suffer as a result of you not understand what credit terms are all about. It can be hard to navigate the credit minefield, which is littered with technical terms and governed by rules many of us don’t understand. This guide is designed as a [...]

Cheques, utility bills and credit card payments, loan payments and mortgage payments may be held up or returned to their senders during the round of postal strikes that are causing backlogs and confusion around the country - and your credit rating could suffer as a result say the money experts who offer money saving tips.
Unless [...]

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 [...]

According to the Bank of England’s Credit Conditions survey, most lenders expect to see a small increase in the amount of credit on offer in the coming months it was reported to the money saving expert. But this good news needs to be tempered by the thought that would-be borrowers need a better-than-ever credit rating, [...]

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.

Your attitude
Stick to the essentials
Decide [...]

Britain struggles under the weight of historic debt caused in part by the banks irresponsible lending policies and the public’s belief that they could control their high mortgage costs, credit card debts and loan repayments. Credit card providers in the past have issued new credit card agreements to anyone and everyone without conducting proper financial [...]

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-time buyers a few pointers to surviving until the next boom comes around.
Your attitude
Stick to the essentials
Decide [...]