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Are You Liable For Credit Card Payments If Your Card Is Stolen?
By Jon
Despite all your care, your credit card has been stolen, and now there are charges outstanding on it that you never authorised. Are you liable for those Read more...
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The High Cost Of A Poor Credit Rating
By Joseph
Is your credit rating good or poor? If you've recently been turned down for a credit card, store card or loan, it could be because you've paid off everything so perfectly that you have no credit history. But it's more likely to be because your credit rating is poor. And this means it could be difficult to get credit at a price you find attractive.
What Makes A Poor Credit Rating?
Applications for credit are scored using criteria on the application form. For example, home owners score higher than renters and it's useful to be on the electoral roll. People tend to get a poor credit rating if:
- They have defaulted on payments in the past;
- They have been made bankrupt;
- They have paid bills late (arrears);
- They have had County Court Judgements (CCJs) against them
Bankruptcies and CCJs stay on a credit file for six years, and it is hardest to get credit if these are the problem.
Banks, companies and store card issuers also look at people's credit report. This is a file maintained by a credit reference agency detailing people's applications and approvals for credit, borrowings, payment record and electoral roll entry. Equifax and Experian are two of the biggest and best known credit reference agencies and are used by most of the lenders. Over time, a credit report can become quite large, with details of every payment made or missed for every and loan.
How Will A Poor Credit Rating Affect You?
A poor credit rating can mean that a person is turned down for credit. At the very least, it makes
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Getting The Right Credit Card Debt Help
By Mike
Finding the right way to receive credit card debt help is something that a lot of people may find difficult to do. Of course getting there is a lot easier than Read more...
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Credit Card Debt Consolidation, Life Saver For Those Sinking In Debt
By Jeff
One of the excellent approaches towards alleviating yourself from credit card debts is to use debt consolidation programs. able Read more...
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