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 [...]

You spend months planning the Christmas festivities: where to go, which parties to attend, what to wear, which presents you’ll give. Quite how you’ll pay for all of this often gets overlooked in the excitement. As a money saving expert it is important that I highlight how to look after your money and your credit [...]

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 [...]

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. [...]

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 [...]

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 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 is [...]

We are now a year into the credit crunch in the United states and the UK. The US president and congress launched the biggest financial stimulus package in history designed to bail out the financial sector of the US economy and the auto industry and as a consequence the world economy. The experts wanted to [...]

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, [...]