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

Applying for a new loan or credit card is a competitive business, with the best deals going to the people who have the fittest credit history. If you want to be in the running, you need to remember the old fable and act like the tortoise, taking time to manage your money, rather than the [...]

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 [...]

Just as the world is warming up, the credit climate has undergone a profound change since the recession took hold the money saving expert has discovered. According to the latest Bank of England figures, around 1.6 million of us apply for some form of credit every month, from loans and cards to mortgages - and [...]

Money saving tipster says if you still believe that eating crusts will make your hair curl and that elephants are afraid of mice, you might also be clinging to some myth about credit - and that could be harming your chances of getting the deals you need when it comes to a homeowner loans, unsecured [...]

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 [...]

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 [...]

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 [...]

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 [...]

You may think the odds are in your favour when it comes to being a victim of identity fraud. But using other people’s stolen personal details to obtain credit and commit scams is one of the UK’s fastest growing crimes - and the fraudsters are always on the look out for ways to up their [...]