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credit file | credit report

The Definitive Guide To Understanding Your Credit File

Understanding Your Credit File. Your credit file is also known as a credit report or credit history. It is important that you understand what your credit file is all about. It can be hard to navigate the credit minefield, which is often littered with technical credit file terms and governed by rules that many of […]

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A Simple Guide To Home Ownership For The First Time Buyer

Your First Steps As A First Time Buyer To Successful Home Ownership The biggest problem facing a first time buyer is getting a mortgage and being able to afford the repayments. Obtaining any mortgage has become very challenging since August 2007. Prior to August 2007 all  lenders were only to happy to lend money to […]

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Free Experian Online Credit Report

Credit Score – Your Credit Score explained in detail

 Credit Scoring Finance lenders use credit scoring to help them decide whether or not to approve applications for loans, credit cards, mortgages and other forms of credit like mobile phone contracts.  Since the recession we have seen credit scoring being used more and more to determine which interest rate an applicant should be charged depending […]

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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 […]

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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 […]

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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 […]

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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 […]

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Is now the right time to take out a new Mortgage and buy a home?

As the editor of talkmoneyblog ,  I am often asked if now is the best time to take on a new mortgage and buy a new home, here are my finance tips. Ask ten people whether they think the time is right to venture back into the property market and you’re likely to get a […]

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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 […]

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