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If you’ve had a default placed on your credit file it can affect your financial situation in a number of ways. The drop in credit rating makes it more difficult to obtain borrowing, and in some case...
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When you look at your credit report, you’ll see various status codes marked against individual loans and other borrowing. These indicate the extent to which you’ve repaid your creditors, whether t...
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If you’re worried about the effect that your debt might have on the people you live with, it’s worth knowing that credit files are independent of each other unless there is, or has been in the pas...
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The Rental Exchange scheme is a new initiative which allows tenants to have their monthly rental payment recorded on their credit file.
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Credit unions in Scotland provide services to more than 250,000 people and one in 20 Scottish residents are members.
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When lenders decide whether or not to offer you a loan, it is the information held on your credit file that forms the basis of their decision. This information also helps to combat fraud, as your iden...
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If you are currently working on reducing the amount of debt you have, improving your credit score may not be at the top of your agenda.
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Your personal credit score plays an important part in securing new loans and credit, and can affect your financial life for better or worse. Lenders use the information in your credit file to determin...
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A debt payment programme (DPP) remains on your credit file for six years, along with other default markers and court judgments that have been made against you. This can seriously affect your ability t...
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A good credit score opens up financial opportunities, such as the ability to buy things with borrowed money that's paid back over time. Find out more here.
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Knowing your credit score and keeping a regular eye on your credit file can prove incredibly beneficial if you wish to apply for a mortgage, credit card, loan or other type of credit. By checking your...
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Your credit file is an important source of information for lenders and other financial institutions, and a bad credit rating can affect your life in a number of ways. Given that a default remains on y...
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