James Miller's Articles in Credit

  • A Beginners Guide To Improving Your Credit File
    If you find that you have been declined credit due to having a poor credit report (also known as a credit rating or poor credit score), then don’t despair. There are ways that you can improve your credit file.
  • All You Need To Know About Debt Advice
    If you are experiencing financial difficulty and have debt problems, then it makes sense to see a specialist for free help and advice.
  • An Introductory Guide To Debt Management
    If you are in the situation where you have so many debts that you can no longer afford to pay them, the first thing you need to do is to prioritise them. Write a list of all your debts, putting them into order, with the most important at the top of your list.
  • Basic Financial Guide To Managing A Credit Score
    Even if your credit score is good, it is important that you keep it that way - or even improve it!
  • Beginners Guide To Credit Repair Companies
    There are many advertisements in magazines and on the television for organisations saying that they can 'restore' or 'clean' your credit file. However, the Office of Fair Trading (OFT), who are the consumer protection authority, warns consumers to tread carefully if considering this type of service.
  • Financial Guide To Credit Cards
    A credit card is a plastic card issued typically by banks, other financial organisations and stores. If you have a credit card, you can use it to make payments for goods or services instead of using cash or a cheque card.
  • Getting Started: Managing Large Debts
    Having a lot of debt and not having enough money to service the repayments is a horrible position to be in. However, it is important that you do not panic - instead, by actually facing up to the problem and taking steps to tackle it, you will find that the problem lessens and you will feel more in control. Never, ever ignore debt problems - they won't go away and will only get worse.
  • Getting Started: Your Credit Report
    Your credit report is used by potential lenders, landlords and employers to help them make a decision as to whether approve your application for a loan or other credit; or for a job or as a tenant.
  • Guidelines For Checking Your Credit File
    When you apply for any sort of credit, whether it is a credit or store card, a loan or a mortgage for example, you will undergo a credit check by the company who you are approaching for credit.
  • How They Work: Sorting Christmas Debts
    Sadly, we are all under extra financial pressure to spend at Christmas, whether it be on presents, extra socialising and even new clothes!
  • Know Your Options: Bank Credit Score
    A Credit Score is something used by loan, mortgage and credit companies to decide whether you qualify for a particular product.
  • Points To Know About Resolving Damaged Credit
    If you have a poor credit history, it doesn't mean that it has to stay that way. It can take time, but you can rebuild your credit. The key is to show potential creditors that you really are serious about getting your credit back in shape.
  • Simple Guide To Improving Your Chances Of Getting Credit
    First of all, get an up-to-date copy of your credit file to see if there are any inaccuracies on it such as a satisfied County Court Judgment (CCJ) that is still showing as unsatisfied or debt that is still showing as outstanding.
  • Simple Guide To The Different Type of Bad Debts
    There are two types of debt - priority debts and non-priority debts. If you are experiencing financial difficulty and are unable to service all your debts, it is important that you understand the type of debts you have.
  • Simple Guide To Your Credit Report
    Your credit report is used by potential lenders, landlords and employers to help them make a decision as to whether approve your application for a loan or other credit; or for a job or as a tenant.
  • What Do Credit Repair Companies Do?
    Credit repair companies advertise that they can free you from the problems associated with bad debt and can 'clean up' your credit report.

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