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Sunday, 14 September 2008 |
By Peter Kenny
 A BBC television programme recently highlighted the fact that many people have never checked their own credit files, and that many would in fact have no idea how to go about checking their credit profiles even if they wanted to. This is a worrying trend given that with the ongoing global credit crunch and the every tightening credit conditions the state of our credit files has become more important than ever.
Our credit file contains a whole lot of personal and financial information about us, and more importantly this information is used by lenders and financial firms whenever we apply for credit. The information that is in these credit files, and the credit rating that is generated from this information, will ultimately determine whether you are able to get the credit that you have applied for or whether you will end up with a rejection.
Your credit file can have a profound impact on your financial future, and whether you are applying for a credit card, store card, mortgage, personal loan, car loan, or any other type of finance you will find that |
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Last Updated ( Sunday, 14 September 2008 )
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Friday, 12 September 2008 |
By Peter Kenny
 Having a poor credit rating is something that many people have had to learn to put up with for many years, and this has severely impacted upon their lives in many ways. Whilst there was once a stigma attached to having poor credit over recent years more and more people have found themselves in this situation, with many households struggling to keep up with repayments on their debts and bills. Having bad credit has become more commonplace now, and there are certain companies that offer solutions for those with bad credit. However, bad credit can still make life difficult and more expensive in many different ways, which is why it is so important for people to either maintain their good credit or to get their bad credit back on track as quickly as possible.
One of the main ways in which bad credit will affect your future is by restricting your access to any form of affordable finance, and in some cases restricting your access to finance altogether. Some examples of these restrictions are highlighted below:
Mortgages: The world of mortgages has been |
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Last Updated ( Friday, 12 September 2008 )
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