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Help & Advice

5 Credit Score Myths – Busted!

It can be confusing trying to figure out how credit scores work. There’s so much conflicting information, and well-intentioned advice can often be misguided and incorrect. In this post, we’ll set the record straight on 5 of the top credit score myths. This guide includes: Clarification on some of the most widely spread myths around […]

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How to Improve Credit Score

Researching how to improve your credit score is an enormously positive step for everyone to take, but especially if you’ve been refused for car finance in the past for bad credit reasons. We’ve written here on how bad credit can affect an application for car finance. In this guide we’ll explore ways to improve your […]

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Avoid making multiple credit applications at once!

Many people might assume that if they keep applying for credit they will eventually find a lender who will accept them. However, when searching for finance this is one of the biggest mistakes you can make. What happens when you make an application? Every time you make a credit application it leaves a mark on […]

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Will my bad credit score affect my partner?

If either you or your partner has struggled with debt then you might worry how this might implicate you both. If your partner’s the one with bad credit then you won’t want this to affect your finance applications. On the other hand, if you’re the one with bad credit then you won’t want your financial […]

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Choosing the right car with bad credit

Owning a car can often be a necessity, many of us need them to travel to work and for our day-to-day lives. However not so many of us can afford to buy a new car outright, and if you have a poor credit score, getting any kind of finance can be a challenge. You will […]

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No credit vs bad credit history

Although having no credit history can be good in the sense that you have no existing debt, you will inevitably struggle to get any loan if you need one. The good news is that dealing with no credit history is much easier than fixing a bad credit file. Building your credit report will give you […]

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Confused about credit?

What is a credit score? A credit score is a numerical value made up from your credit history. Your score shows lenders how trustworthy you have proven to be in the past at repaying debts and indicates which loans and interest rates you may be eligible for. Each time you apply for a loan, credit […]

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Bad credit myth busting

What is a bad credit score? Some people might think they have bad credit when in actual fact their score might be fair or even good. On the other hand, many people might assume their credit score is fine when they have actually fallen into bad credit. Below is the general consensus of what is […]

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How to improve your credit score

Why you should improve your credit score Your credit rating is important as it indicates to lenders how much money you can borrow as well as the amount of interest they should charge you. Banks and lenders want to know that they can trust you before offering you finance options. In many circumstances, a bad […]

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