Tag Archive: Rating?

Search for quality: on credit rating agencies – The Hindu, credit rating agencies.#Credit #rating #agencies

Search for quality: on credit rating agencies

Search for quality: on credit rating agencies

SEBI’s proposed rules may not necessarily improve the quality of credit rating services

Credit rating agencies may be in for a tough ride as the Securities and Exchange Board of India continues to tighten the screws on them. The market regulator has released a consultation paper seeking feedback on a new set of rules drafted to improve “market efficiency” and enhance “the governance, accountability and functioning of credit rating agencies”. Among them are provisions to restrict cross-shareholding between rating agencies without regulatory approval to 10%, and increase the minimum net worth requirement for existing and new agencies from ₹5 crore to ₹50 crore. Another mandates at least five years’ experience for promoters of rating agencies. SEBI has proposed disclosure norms to improve investor awareness about the operations of rating agencies. The spin-off of non-core operations of rating agencies will allow SEBI to focus on regulating just their credit rating operations. SEBI has spelt out its rationale for proposing each of the rules. SEBI’s predominant concern, apart from improving the information available to investors, seems to be to prevent rating agencies from resorting to collusion in reaching decisions. This effort is in line with SEBI’s crackdown on the agencies after the default in 2015 of a highly-rated debt issued by Amtek Auto.

Credit rating agencies

SEBI tightens P-Note rules

The new rules, if they come into force, may not have any substantial impact on the quality of credit rating in India. Prima facie, the intended effects of the rules sound convincing. What is unclear are their unintended effects on competition in the rating space. Also, how the rules will address the problem of “rating shopping” that plagues the business of credit rating in the country is unknown. The present business model of rating agencies is seen to allow considerable room for issuers of securities to shop for a favourable rating or avoid negative ratings by severing their ties with these agencies. Prudential regulation is thus justified to tackle this problem. This criticism, however, ignores the reputational damage these agencies suffer after each corporate default. Repeated failures have not affected the business of rating agencies, primarily due to the lack of alternative service providers who can help out investors. Individual creditors have thus had to trust the ratings of the existing rating agencies at their own peril, even after repeated crises. As is well-known today, the Indian credit rating market is an oligopolistic one due to the high barriers to entry. SEBI’s proposed move to impose further quality requirements on rating agencies is unlikely to change things for the better, or raise further barriers. The way forward lies in making it easier for new players to enter the credit rating space and compete against incumbents. This will go a long way towards making credit rating agencies actually serve creditors rather than borrowers.





7 Ways To Improve Your Credit Score, what is my credit rating.#What #is #my #credit #rating

7 ways to improve your credit score

If you need to boost your credit score, it won’t happen overnight.

Credit scores take into account years of past behavior you can find on your credit report, and not just your present actions.

But there are some steps you can take now to start on the path to better credit.

7 steps to raise your credit score

  1. Watch those credit card balances.
  2. Eliminate credit card balances.
  3. Leave old debt on your report.
  4. Use your calendar.
  5. Pay bills on time.
  6. Don’t hint at risk.
  7. Don’t obsess.

1. Watch those credit card balances

One major factor in your credit score is how much revolving credit you have versus how much you’re actually using. The smaller that percentage is, the better it is for your credit rating.

The optimum: 30 percent or lower.

To boost your score, “pay down your balances, and keep those balances low,” says Pamela Banks, senior policy counsel for Consumers Union.

If you have multiple credit card balances, consolidating them with a personal loan could help your score.

What you might not know: Even if you pay balances in full every month, you still could have a higher utilization ratio than you’d expect. That’s because some issuers use the balance on your statement as the one reported to the bureau. Even if you’re paying balances in full every month, your credit score will still weigh your monthly balances.

One strategy: See if the credit card issuer will accept multiple payments throughout the month.

2. Eliminate credit card balances

“A good way to improve your credit score is to eliminate nuisance balances,” says John Ulzheimer, a nationally recognized credit expert formerly of FICO and Equifax. Those are the small balances you have on a number of credit cards.

The reason this strategy can boost your score: One of the items your score considers is just how many of your cards have balances, Ulzheimer says. That’s why charging $50 on one card and $30 on another instead of using the same card (preferably one with a good interest rate) can hurt your credit score.

The solution to improve your credit score is to gather up all those credit cards with small balances and pay them off, Ulzheimer says. Then select one or two go-to cards that you can use for everything.

“That way, you’re not polluting your credit report with a lot of balances,” he says.

3. Leave old debt on your report

Some people erroneously believe that old debt on their credit report is bad.

The minute they get their home or car paid off, they’re on the phone trying to get it removed from their credit report.

Negative items are bad for your credit score, and most of them will disappear from your report after seven years. However, “arguing to get old accounts off your credit report just because they’re paid is a bad idea,” Ulzheimer says.

Good debt — debt that you’ve handled well and paid as agreed — is good for your credit. The longer your history of good debt is, the better it is for your score.

One of the ways to improve your credit score: Leave old debt and good accounts on as long as possible. This is also a good reason not to close old accounts where you’ve had a solid repayment record.

Trying to get rid of old good debt “is like making straight A’s in high school and trying to expunge the record 20 years later,” Ulzheimer says. “You never want that stuff to come off your history.”

4. Use your calendar

If you’re shopping for a home, car or student loan, it pays to do your rate shopping within a short time period.

Every time you apply for credit, it can cause a small dip in your credit score that lasts a year. That’s because if someone is making multiple applications for credit, it usually means he or she wants to use more credit.

However, with three kinds of loans — mortgage, auto and more recently, student loans — scoring formulas allow for the fact that you’ll make multiple applications but take out only one loan.

The FICO score, a credit score commonly used by lenders, ignores any such inquiries made in the 30 days prior to scoring. If it finds some that are older than 30 days, it will count those made within a typical shopping period as just one inquiry.

The length of that shopping period depends on the credit score used.

If lenders are using the newest forms of scoring software, then you have 45 days, says Ulzheimer. With older forms, you need to keep it to 14 days.

Older forms of the software won’t count multiple student loan inquiries as one, no matter how close together you make applications, he says.

5. Pay bills on time

If you’re planning a major purchase (like a home or a car), you might be scrambling to assemble one big chunk of cash.

While you’re juggling bills, you don’t want to start paying bills late. Even if you’re sitting on a pile of savings, a drop in your score could scuttle that dream deal.

One of the biggest ingredients in a good credit score is simply month after month of plain-vanilla, on-time payments.

“Credit scores are determined by what’s in your credit report,” says Linda Sherry, director of national priorities for Consumer Action. If you’re bad about paying your bills — or paying them on time — it damages your credit and hurts your credit score, she says.

That can even extend to items that aren’t normally associated with credit reporting, such as library books, she says. That’s because even if the original “creditor,” such as the library, doesn’t report to the bureaus, they may eventually call in a collections agency for an unpaid bill. That agency could very well list the item on your credit report.

Putting cash into a savings account for a major purchase is smart. Just don’t slight the regular bills to do it.

6. Don’t hint at risk

Sometimes, one of the best ways to improve your credit score is to not do something that could sink it.

Two of the biggies are missing payments and suddenly paying less (or charging more) than you normally do, says Dave Jones, retired president of the Association of Independent Consumer Credit Counseling Agencies.

Other changes that could scare your card issuer (but not necessarily hurt your credit score): taking cash advances or even using your cards at businesses that could indicate current or future money stress, such as a pawnshop or a divorce attorney, he says.

“You just don’t want to do anything that would indicate risk,” Jones says.

7. Don’t obsess

You should be laser-focused on your credit score when you know you’ll soon need credit. In the interim, pay your bills and use credit responsibly. Your score will reflect these smart spending behaviors.

Are you getting ready to make a big purchase, such as a home or car? At least a few months in advance, have a look at your credit score.

While the score that you get through your bank or a service may not be the exact same one your lender uses, it will grade you on many of the same criteria and give you a good indication of how well you’re managing your credit. It will provide you with specific ways to improve your credit score — in the form of several codes or factors that kept your score from being higher.

If you are denied credit (or don’t qualify for the lender’s best rate), the lender has to show you the credit score it used, thanks to the Dodd-Frank Wall Street Reform and Consumer Protection Act.

Another smart move is to regularly check your credit reports.

You’re entitled to one of each of your three credit bureau reports (Equifax, Experian and TransUnion) for free every 12 months through AnnualCreditReport.com.

It’s smart to stagger them. Send for one every four months, and you can monitor your credit for free.





Credit Reports South Africa, what is my credit rating.#What #is #my #credit #rating

Importance of viewing your credit report

Credit checks are usually conducted on a client, future client or employee in order for the company or lender to see what the credit history of the client looks like. Credit checks play an integral part in the decisions that are made whether to loan monies or give credit to individuals.

With Kudough you will now be able to check your personal credit history from at least three different credit bureaus in South Africa. All three bureaus are reputable and have been conducting business in South Africa for a long period of time.

With the National Credit Act in place to protect the interests and rights of consumers, you are now in a position to personally check credit yourself whenever you need to, especially before you apply for credit.

Should an employer require a credit check on future employees, consent from you is required prior to this information being divulged by the credit bureaus. This is to protect the privacy and the rights of individuals. You are now in a position to see exactly what the lender sees on a credit report.

Have your finger on the pulse at all times and ensure that there is no fraudulent activity carried out in your good name; the only way to keep an eye on this kind of activity is by carrying out regular credit checks with Kudough to ensure that you are not being taken advantage of in any way.

Start now by obtaining your Credit Report instantly and on line from Credit Reports South Africa. Save by getting access monthly with a host of tools and tips to help you manage and improve your credit status. Remember, credit reports are just the first step in changing your financial lifestyle. Let Credit Reports South Africa be your guide on the journey to powerful credit.

Get your 3 in 1 Credit Report NOW!

About Kudough and our Credit Report

Kudough is about helping you build your credit status so that you can use it to your advantage. We call it Credit Power. It’s essentially credit that saves you money today and into the future through savings on loan repayments, insurance premiums and a whole lot more. Kudough is today’s solution to protecting your financial health, while building your financial strength. Kudough makes use of sophisticated technology that uses the information that credit bureaus and credit providers have and turn this into, well, gold if you look at it smartly. We put the power back into your hands giving you all the insight about your best financial opportunity – yourself.Improving your Credit Status or maintaining a good status is as important as earning your salary in the first place – its about protecting the value of your money and saving money in the future. Your Kudough Journey is a virtual representation of your monthly credit progress (Kudough Status). Your credit worthiness may improve, or get worse over time depending on your credit activities and if you have kept up to date with your account payments. We track your path by visualizing your Status across many amazing calculations over your membership period. So things in life are priceless, and one of those being insight into yourself.

Benefits and tools available when accessing your credit report from Kudough

Credit Score

A credit score is a number generated by a mathematical algorithm, based on the statistical analysis of information in your credit report, compared to information on millions of other people. The number is a highly accurate prediction of how likely you are to pay your acounts. A number, roughly between 300 and 999, which measures an individual’s credit worthiness.

  • Payment History
  • Amounts owed / Account Utilisation
  • Age of Accounts
  • Judgments and Defaults
  • Enquiries

Benefits and tools available when accessing your credit report from Kudough

To help you know all that there is about your credit status we created the Kudough Credit Power Status.

What is my credit rating

What is my credit rating





Credit Reports South Africa, my credit rating.#My #credit #rating

Importance of viewing your credit report

Credit checks are usually conducted on a client, future client or employee in order for the company or lender to see what the credit history of the client looks like. Credit checks play an integral part in the decisions that are made whether to loan monies or give credit to individuals.

With Kudough you will now be able to check your personal credit history from at least three different credit bureaus in South Africa. All three bureaus are reputable and have been conducting business in South Africa for a long period of time.

With the National Credit Act in place to protect the interests and rights of consumers, you are now in a position to personally check credit yourself whenever you need to, especially before you apply for credit.

Should an employer require a credit check on future employees, consent from you is required prior to this information being divulged by the credit bureaus. This is to protect the privacy and the rights of individuals. You are now in a position to see exactly what the lender sees on a credit report.

Have your finger on the pulse at all times and ensure that there is no fraudulent activity carried out in your good name; the only way to keep an eye on this kind of activity is by carrying out regular credit checks with Kudough to ensure that you are not being taken advantage of in any way.

Start now by obtaining your Credit Report instantly and on line from Credit Reports South Africa. Save by getting access monthly with a host of tools and tips to help you manage and improve your credit status. Remember, credit reports are just the first step in changing your financial lifestyle. Let Credit Reports South Africa be your guide on the journey to powerful credit.

Get your 3 in 1 Credit Report NOW!

About Kudough and our Credit Report

Kudough is about helping you build your credit status so that you can use it to your advantage. We call it Credit Power. It’s essentially credit that saves you money today and into the future through savings on loan repayments, insurance premiums and a whole lot more. Kudough is today’s solution to protecting your financial health, while building your financial strength. Kudough makes use of sophisticated technology that uses the information that credit bureaus and credit providers have and turn this into, well, gold if you look at it smartly. We put the power back into your hands giving you all the insight about your best financial opportunity – yourself.Improving your Credit Status or maintaining a good status is as important as earning your salary in the first place – its about protecting the value of your money and saving money in the future. Your Kudough Journey is a virtual representation of your monthly credit progress (Kudough Status). Your credit worthiness may improve, or get worse over time depending on your credit activities and if you have kept up to date with your account payments. We track your path by visualizing your Status across many amazing calculations over your membership period. So things in life are priceless, and one of those being insight into yourself.

Benefits and tools available when accessing your credit report from Kudough

Credit Score

A credit score is a number generated by a mathematical algorithm, based on the statistical analysis of information in your credit report, compared to information on millions of other people. The number is a highly accurate prediction of how likely you are to pay your acounts. A number, roughly between 300 and 999, which measures an individual’s credit worthiness.

  • Payment History
  • Amounts owed / Account Utilisation
  • Age of Accounts
  • Judgments and Defaults
  • Enquiries

Benefits and tools available when accessing your credit report from Kudough

To help you know all that there is about your credit status we created the Kudough Credit Power Status.

My credit rating

My credit rating





Bad Credit History and Rating, how to improve credit rating.#How #to #improve #credit #rating

Bad Credit History and Rating

Your history tells creditors about behaviors that can add up to a good or bad credit rating. Here are some questions lenders might ask that may help them understand your credit history:

  • Do you pay your bills on time?
  • How long have you used credit?
  • Have you opened several credit cards in a brief time frame?
  • How much debt do you have compared with your available credit limit?

How to Improve a Bad Credit History

Credit scores are tools used by lenders to evaluate the answers to those questions. They help determine the risk that you will not be able to repay a debt as agreed.

You can improve your credit report if you know what it contains. Although you can t rewrite history, the passing of time will remove negative credit information from your report. Weak credit scores don t necessarily mean you won t obtain credit. You can get rid of bad credit habits, restore your positive credit history, improve your credit scores and use credit to your advantage.

Review Your Free Experian Credit Report Today

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The information contained in Ask Experian is for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding your particular situation. Please understand that Experian policies change over time. Posts reflect Experian policy at the time of writing. While maintained for your information, archived posts may not reflect current Experian policy. The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future post.

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Credit report: Check your credit score for free, free credit rating check.#Free #credit #rating #check

Check your credit report for free

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Free credit rating check

Updated August 2017

Checking your credit report is in good shape is important if you want to get a mortgage, credit card, loan and more. The big credit reference agencies try to lure you in with free month-long trials, but as you can now see all your credit reports for free, there’s no need to pay at all.

This guide explains how you can check your credit reports for free or even how to get paid to check them. Plus, we’ve launched our revolutionary free MoneySavingExpert.com Credit Club which allows you to check your Experian Credit Report for free.

In this guide.

Why you should check and what you should check

There are three credit reference agencies, Equifax, Experian and CallCredit, and they all hold information on you which lenders use. Even small errors can cause problems, so it’s important you check through your credit report. Most of this is explained in detail in our How to Boost Your Credit Rating guide, but below is a quick checklist.

3. If you no longer have joint accounts with someone, ensure you financially delink (ie, separate).

4. Always check your credit reports after rejection. Read why here.

5. Cancel unused credit and store cards. Find out why unused cards can count against you.

Should I check all three credit reports?

If you’re doing a specific application for a company and you know which credit reference agency it uses, it’s obviously a priority to check that one. But as a general housekeeping rule we suggest you check all three credit reports at least once a year, because they all have an impact.

Don’t worry about over-checking your credit report. It’s not recorded on it, and it’s something that only you and the credit reference agency will know about. Check EVERY detail and do it regularly. PLUS always check before making any big applications to minimise your risk of rejection. It can all be done online, it’s quick and easy.

However, if time is short and you can only use one, then choose Experian (the biggest) or CheckMyFile (checks Equifax and Callcredit). It’s a good idea to do a check-up roughly every 12 to 18 months. Always do one in good time before making any important applications.

Your right to check your file (costs Ј2)

The most important thing to tell you is that you have a legal right to check your credit report. This is because it’s important you know the information that companies have on you. Here’s how to check, however before you read it please see our information on how to check for free and how to get paid to do it.

The checks are all done online so they’re quick and easy to do (and are much more efficient than the old mail-only method).

The statutory report contains your personal details, info on financial links to other people, whether you’re on the electoral roll, the credit accounts you have, any missed payments or defaults, and a list of other recent searches of your credit report (though these only stay on your file for a maximum of one year). All three credit reference agencies will provide you with a statutory report:

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The MSE Credit Club – now includes Experian Credit Report

Free credit rating check

We’ve launched our revolutionary, FREE MoneySavingExpert.com Credit Club – a brand new way for you to keep track of your credit record. You can sign up here – please give us feedback on it. Here are the six things it does:

  • We’ve launched the ability to get your full Experian Credit Report for FREE within Credit Club. See below for full details on how this will work.
  • You’ll get a free Experian Credit Score. This gives you an indicator of how lenders see you when assessing you for credit applications.
  • Our unique Affordability Score. This clever tool helps you work out how much you can afford to borrow, using calculations based on your income and estimated spending.
  • Our unique Credit Hit Rate – this shows your chances of success, as a percentage, of grabbing our top cards and loans.
  • Eligibility tool to show your best credit deals. It reveals the likelihood of you getting top credit cards or loans.
  • Your credit profile explained. It shows the key factors affecting your score and how to improve them.

How to check your full credit report for FREE

Free credit rating check

Credit reference agencies used to make all their money from selling data to lenders. The idea was to help lenders predict your behaviour, which allowed them to assess whether or not you were a good person to lend to.

Then some bright spark at the credit reference agencies realised they could generate a business called “consumer credit management”. It meant they could start to sell you monitoring products and all the other sorts of data, including your “credit score”, for the first time. You may ask why they sell it to you? Well, it makes them money, and sometimes up to Ј180 a year.

It used to be that the only way you could check your score for free was to sign up to 30-day free trials of these services, and then cancel before the time’s up so you don’t get charged. Yet, now, you can check your report on all three agencies for free every month – though they’ll make money if you apply for credit cards and loans through them.

Which way you choose to check your report will depend on what’s most important to you – a full monitoring service free for 30 days, or a more basic, but free-for-life service. Here’s how to do it, broken down by agency.

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Check Business Credit Information: Creditsafe Reports, credit rating check free.#Credit #rating #check #free

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More than 100,000 companies choose to check commercial credit information with Creditsafe, trusting us to be the business credit agency that protects them from the threat of bad debt. Our scoring model is one of the most predictive in the business credit information industry. Whether you are a small business owner or a finance expert, our business credit reports are designed to help you check for risk signals and make informed business decisions in just seconds. Creditsafe now operates in more than 14 countries. Through our extensive network of data providers we provide business credit reports from any country in the world.

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Credit Report, Credit Score and Credit Rating – Office of Consumer Affairs, credit rating canada.#Credit #rating #canada

Credit Report, Credit Score and Credit Rating

Along with the credit histories of millions of other people, your credit history is recorded in files maintained by at least one of Canada’s major credit-reporting agencies: Equifax Canada and TransUnion Canada. It is possible to obtain your credit file for free. Please consult the agencies’ websites in order to obtain more information. These files are called credit reports. A credit report is a snapshot of your credit history. It is one of the main tools lenders use to decide whether or not to give you credit.

Your credit file is created when you first borrow money or apply for credit. On a regular basis, companies that lend money or issue credit cards to you, including banks, finance companies, credit unions, retailers, send specific factual information related to the financial transactions they have with you to credit reporting agencies.

Summary of methods to request your credit report and their respective characteristics

Internet

Credit Score

Your credit score is a judgment about your financial health, at a specific point in time. It indicates the risk you represent for lenders, compared with other consumers.

There are many different ways to work out credit scores. The credit-reporting agencies Equifax and TransUnion use a scale from 300 to 900. High scores on this scale are good. The higher your score, the lower the risk for the lender. Lenders may also have their own ways of arriving at credit scores. In addition, lenders must decide on the lowest score you can have and still borrow money from them. They can also use your score to set the interest rate you will pay.

Credit Rating

Some credit-reporting agencies report the lenders’ rating of each of your credit history items on a scale of 1 to 9. A rating of 1 means you pay your bills within 30 days of the due date. A rating of 9 means that you never pay your bills at all or that you have made a consumer debt repayment proposal to the lender. A letter will also appear in front of the number: for example, I2, O2, R2. The letter stands for the type of the credit you are using.

  • I means you were given credit on an installment basis, such as for a car loan, where you borrow money once and repay it in fixed amounts, on a regular basis, for a specific period of time until the loan is paid off.
  • O means you have open credit such as a line of credit, where you borrow money, as needed, up to a certain limit and the total balance is due at the end of each period. This category may also include student loans, for which the money may not be owing until you are out of school.
  • R means you have revolving credit, where you make regular payments in varying amounts depending on the balance of your account, and can then borrow more money up to your credit limit. Credit cards are a good example of revolving credit.

The most common ratings are R ratings. These are known as North American Standard Account Ratings and are the most frequently used. The R indicates that the item being described involves revolving credit. If you always pay on time, it will be coded an R1. If an amount was written off because you never paid it back, it is coded R9. The R ratings are a coding system that translates on time , one month late , two months late , etc. , into two-digit codes. 3





Credit Report, Credit Check – Free Credit Score, Experian, credit rating check.#Credit #rating #check

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How your Experian Credit Report Score can help you

Your Experian Credit Score is a straight forward way of showing how lenders may view you, based on information in your Experian Credit Report. The better your credit score the better your chances are of getting a credit card, a loan or even a mortgage, along with great rates for each. Your Experian Credit Report allows you to see the information lenders use when carrying out a credit check.

If you have a low score or there is room to improve, checking your credit report can help you see whether the information on it is correct and understand what could be affecting your score.

To find out your options for viewing your Experian Credit Score or Experian Credit Report, see which product is right for you.

Your personal details are in good hands

Experian takes data security very seriously and we are always reviewing and improving our measures to keep your information safe. Experian is unaffected by the recent Equifax data breach.

We have lots of resources to help you look after your personal details – here’s information on protecting yourself and spotting the warning signs of identity fraud.

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*A monthly fee of ВЈ14.99 applies after your free trial. You may cancel during your 30-day free trial without charge. New customers only. Free trial period starts on registration – further ID verification may be required to access full service which may take up to 5 days.

Experian acts as a credit broker and not a lender in the provision of its credit cards and personal, car finance and guarantor loans matching services, meaning it will show you products offered by lenders and other brokers.

Experian acts independently and although CreditMatcher shows products for a range of lenders and other brokers it does not cover the whole of the market, meaning other products may be available to you. CreditMatcher services are provided free however we will receive commission payments from lenders or brokers we introduce you to. Information about the commission we receive from brokers for mortgages and secured loans can be found in our help section.

Eligibility Ratings are available for credit cards and personal loans only.

‡‘Most trusted’ based on 61% of 1057 respondents, ICM Unlimited survey June 2017.

CreditMatcher and CreditExpert are provided by Experian Ltd (Registered number 653331). Experian Ltd is authorised and regulated by the Financial Conduct Authority (firm reference number 738097). Experian Ltd is registered in England and Wales with registered office at The Sir John Peace Building, Experian Way, NG2 Business Park, Nottingham, NG80 1ZZ. The web monitoring feature and its alerts within CreditExpert is not FCA regulated activity.

Copyright 2017, Experian Ltd. All rights reserved.

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Check Business Credit Information: Creditsafe Reports, credit rating check.#Credit #rating #check

Check Business Credit Reports with Creditsafe

Need high quality data in simple, easy to use business credit reports? Put us to the test and check the credit of any company for free. We offer the most competitive pricing on the market.

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Why Choose Creditsafe Business Credit Reports?

With 12 business credit reports downloaded every second, Creditsafe is the most used provider of company credit reports in the world.

More than 100,000 companies choose to check commercial credit information with Creditsafe, trusting us to be the business credit agency that protects them from the threat of bad debt. Our scoring model is one of the most predictive in the business credit information industry. Whether you are a small business owner or a finance expert, our business credit reports are designed to help you check for risk signals and make informed business decisions in just seconds. Creditsafe now operates in more than 14 countries. Through our extensive network of data providers we provide business credit reports from any country in the world.

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CREDIT CARDS and LOANS for BAD CREDIT, credit card for bad credit rating.#Credit #card #for #bad #credit #rating

Loans and Credit Cards for Bad Credit

Welcome! Since 2005, we have been dedicated to helping those with a bad credit rating rebuild their credit. We provide you with the knowledge and resources necessary for you to find the best loans and credit cards for bad credit, regardless if you have a poor credit score or past credit problems. We continously update our offers to bring you the best bad credit offers available.

If you are looking for the right offer to fit your financial needs or repair bad credit, please begin by choosing a category of offers below:

Compare the top 10 credit cards for those with bad credit and apply online instantly.

Compare auto lenders that approve people with a poor credit score.

Review the best services for debt relief and debt consolidation loans.

Need a cash loan to pay bills, take a vacation, or start a business? Apply now.

Compare options to repair your bad credit history and improve your rating.

Get a new home loan now at a great rate regardless of your past credit history.

Tips and Advice

► 5 Steps to Rebuilding Bad Credit

Credit card for bad credit rating

► Credit Crunch Shrinking Size of Personal Loans

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► Inside the Brain of an Auto Lender

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► Filing for Bankruptcy: Chapter 7 vs. Chapter 13

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► Which Type of Home Loan is Right for You?

Credit card for bad credit rating

► Too Much Debt? How to Break the Debt Cycle

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Credit Reports South Africa, check my credit rating free.#Check #my #credit #rating #free

Importance of viewing your credit report

Credit checks are usually conducted on a client, future client or employee in order for the company or lender to see what the credit history of the client looks like. Credit checks play an integral part in the decisions that are made whether to loan monies or give credit to individuals.

With Kudough you will now be able to check your personal credit history from at least three different credit bureaus in South Africa. All three bureaus are reputable and have been conducting business in South Africa for a long period of time.

With the National Credit Act in place to protect the interests and rights of consumers, you are now in a position to personally check credit yourself whenever you need to, especially before you apply for credit.

Should an employer require a credit check on future employees, consent from you is required prior to this information being divulged by the credit bureaus. This is to protect the privacy and the rights of individuals. You are now in a position to see exactly what the lender sees on a credit report.

Have your finger on the pulse at all times and ensure that there is no fraudulent activity carried out in your good name; the only way to keep an eye on this kind of activity is by carrying out regular credit checks with Kudough to ensure that you are not being taken advantage of in any way.

Start now by obtaining your Credit Report instantly and on line from Credit Reports South Africa. Save by getting access monthly with a host of tools and tips to help you manage and improve your credit status. Remember, credit reports are just the first step in changing your financial lifestyle. Let Credit Reports South Africa be your guide on the journey to powerful credit.

Get your 3 in 1 Credit Report NOW!

About Kudough and our Credit Report

Kudough is about helping you build your credit status so that you can use it to your advantage. We call it Credit Power. It’s essentially credit that saves you money today and into the future through savings on loan repayments, insurance premiums and a whole lot more. Kudough is today’s solution to protecting your financial health, while building your financial strength. Kudough makes use of sophisticated technology that uses the information that credit bureaus and credit providers have and turn this into, well, gold if you look at it smartly. We put the power back into your hands giving you all the insight about your best financial opportunity – yourself.Improving your Credit Status or maintaining a good status is as important as earning your salary in the first place – its about protecting the value of your money and saving money in the future. Your Kudough Journey is a virtual representation of your monthly credit progress (Kudough Status). Your credit worthiness may improve, or get worse over time depending on your credit activities and if you have kept up to date with your account payments. We track your path by visualizing your Status across many amazing calculations over your membership period. So things in life are priceless, and one of those being insight into yourself.

Benefits and tools available when accessing your credit report from Kudough

Credit Score

A credit score is a number generated by a mathematical algorithm, based on the statistical analysis of information in your credit report, compared to information on millions of other people. The number is a highly accurate prediction of how likely you are to pay your acounts. A number, roughly between 300 and 999, which measures an individual’s credit worthiness.

  • Payment History
  • Amounts owed / Account Utilisation
  • Age of Accounts
  • Judgments and Defaults
  • Enquiries

Benefits and tools available when accessing your credit report from Kudough

To help you know all that there is about your credit status we created the Kudough Credit Power Status.

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Getting a Mortgage with my Credit Rating, MoneySuperMarket, check my credit rating.#Check #my #credit #rating

Credit ratings

By Rachel Wait on Tuesday 18 October 2016

Check my credit rating

Ready to find a mortgage?

It might not seem fair but even having a big deposit in place and a decent salary isn’t enough to guarantee you a mortgage. If you have a bad credit score then your application is likely to be refused.

Will I be accepted for a mortgage if I have a bad credit score?

Banks and building societies are cautious about who they lend to, so they always check applicants’ financial history carefully to see if potential mortgage customers have defaulted on any debt payments in the past. Lenders determine whether they will offer you a mortgage based on these factors:

  • Your credit report
  • County Court Judgments
  • Any bankruptcy proceedings

If any of these scenarios apply, the chances are you won’t be eligible for most mortgage deals, or you will have to pay a higher rate of interest – even if your financial problems occurred a long time ago.

Which mortgages am I eligible for?

There are some mortgages however, which are specifically designed for those whose credit history is far from perfect. These are often known as ‘sub-prime’ mortgages or ‘adverse credit’ mortgages, and are generally offered by lenders specialising in this market.

While they work in the same way as standard mortgages, insofar as you borrow a certain amount and then make monthly repayments over a set term, interest rates are unsurprisingly higher and you are likely to need a more sizeable deposit to put down.

Most lenders will require a deposit of at least 25% to 30% of the property value, compared to around 5% to 10% if you were applying for a standard mortgage.

Check your credit history

Before applying for any mortgage, you should always check your credit report carefully, to establish if there is any reason why your application could be refused. You can obtain a copy of your report from one of the major credit rating agencies, which include Experian, Equifax and CallCredit.

Remember that certain simple oversights, such as not being registered on the electoral roll, or failing to close down credit card accounts that you no longer use, can have a negative impact on your credit rating.

What else mortgage lenders need to know

As well as looking at your credit report, lenders will usually ask you to supply several other bits of information before they agree to offer you a mortgage.

They will want to see pay slips from your employer or typically three years’ accounts if you are self-employed and bank statements to see how you manage your account.

The lender will also ask what other debts you have, so you will need to disclose if you have any personal loans or credit cards. If possible, it’s a good idea to try to pay these down before applying for a mortgage, as this will demonstrate that you take a responsible approach to your finances.

Always try and pay any bills on time too, as late payments will again have a negative impact on your credit history.

Compare interest rates

When applying for any mortgage, whether you have a poor credit history or not, it is vital to compare as many deals as possible to ensure you find the right one to suit your needs. If you aren’t certain which mortgage to go for, then you should speak to a mortgage broker who can talk you through the available options.

Remember to factor in arrangement fees and any other charges, as these can have a significant impact on the overall cost of the mortgage too.





Credit Report – Check Your Credit Rating or Score Today, check my credit rating.#Check #my #credit #rating

Check my credit ratingMoneySuperMarket.com

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Credit Reporting

Do you know what your credit score is? Find out your credit rating and keep track of any changes to it. Not only will this improve your chances of being accepted for a credit card or loan, but you ll also be able to spot any suspicious activity on your credit file.

Check my credit rating

Credit Reports, Monitoring & Identity Theft Protection

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Experian CreditExpert

£14.99 per month

Unlimited access to your Experian Credit Score and credit report

Expert advice to help improve your Experian credit score

The UK’s most trusted Credit Score (Source: ICMUnlimited survey, July 2016)

Access to an award-winning UK Customer Contact Centre and dedicated Victim of Fraud Team

Equifax

£14.95 per month

– 30 day FREE trial

– Unlimited, easy online access to your latest Equifax Credit Report Score

– Identity protection Be alerted if we find your details are shared on websites used by fraudsters

– Telephone support 8am 8pm daily (except 25th 26th December)

– Online help and dispute resolution

Credit Angel

£14.99 per month

Easy to use site with unlimited FREE access to your credit score and report for 30 days

See how your social media activity can affect your ability to gain credit

Credit and Fraud alerts

Tailored finance deals, savings and vouchers

Comprehensive support from Credit Angel’s expert Customer Care Team

Credit report

You can boost your chances of being accepted for a credit card or loan by finding out your credit score first. Knowledge is power, so being in the know by being party to the same information as the lender, will place you in a much stronger position.

Are you aware of what sort of information is held on your credit file? Unless you regularly check your file, the chances are you don t know, but finding out can help you work out the best ways to improve your rating.

The information held on your credit file helps lenders to decide whether or not they will accept your credit card, mortgage, loan or even mobile phone contract application.

If you know you ve made a few financial slip ups in the past and your credit score could be better, or you ve never borrowed and so haven t yet built up a credit history in the first place, there are steps you can take to improve your rating so you are more likely to be accepted if you want to take out a loan or apply for a credit card.

Are you on the electoral roll?

If you have registered to vote, then you should already be on the electoral roll at your current address. The electoral roll is used by many companies to check you are who you say you are, so they can ensure someone else isn t using your identity fraudulently to make credit applications in your name. If you’re not registered on the electoral roll, you ll need to get in touch with your local council and request a registration form, or alternatively you can register online.

Are you already a borrower?

It might sound odd, but if you ve never borrowed money before, lenders are likely to see this as a negative. They want to know that you can manage your money responsibly, and if you have never borrowed, this cannot be demonstrated. If you haven t ever had a credit card or loan, it may therefore be worth opening an account in order to create a credit history but make sure you repay what you owe and on time, otherwise you could end up with a black mark on your credit file.

Check your credit rating

Are you certain that the information held about you is absolutely right? It is worth checking your file to make sure that it does not contain details that are wrong and could restrict your chances of being accepted credit. You can get a copy of your credit report at our credit monitoring service. And if you find any inaccuracies you can apply to the relevant agency to get them changed.

County Court Judgments (CCJs)

If you’ve had a County Court Judgement against you which has now been settled, make sure this is recorded on your credit file, as having one which hasn t yet been settled can have a very negative impact on your credit rating. If your CCJ isn t showing up as being settled, ask the court to provide confirmation details and pass these on to the credit rating agencies.

Don t make repeated applications

If you are turned down for credit, don t be tempted to make lots of other applications elsewhere. These will leave a footprint on your credit file which could work against you as lenders might think you are desperate to borrow money, or that you are victim of identity fraud. Before making any credit application, get hold of a copy of your report so you know how strong your credit rating is, and only make applications for deals you are confident you will be accepted for.

Change of circumstances

If your personal situation has changed, for example, you ve got divorced or lost your job, and you are finding it difficult to make ends meet, you must let lenders know as soon as possible. You can put a Notice of Correction on your credit file explaining why you might have missed any payments. Lenders should take this into consideration when you make a credit application, particularly if you are able to show you have subsequently got back on track financially.

Keep borrowing in check

Don t max out your credit card. If you owe money on your card, you should try and ensure it isn t more than a third of your overall credit limit. If you often own much more than this, then lenders might start to worry about lending you any more money as they will be concerned you might not be able to keep up with repayments.

Pay on time

Make sure payments go out on time by setting up direct debits and standing orders wherever possible. It’s easy to forget a payment so setting up direct debits and standing orders with your bank will ensure payments go out on time. This will also ensure you won t be stung by any penalty charges or fees for paying late, which could have a negative impact on your credit rating.

Shut down credit accounts you no longer use

If you ve got credit cards or other credit accounts which you don t need any more, shut them down as soon as possible. When lenders look at your credit file, they focus on the total amount of credit available to you, as opposed to the amount you actually owe, so having lots of open accounts could reduce your credit rating.

Pay on time

Missing or late loan or credit card repayments will work against you and leave a black mark on your credit file. Make sure you always pay on time as this will show lenders that you are good at managing your money.

Other factors which can have an impact

As well as looking carefully at your credit history, when you apply for credit lenders will also want to check how long you have been a UK resident. If you have only recently moved here, you may have to wait at least three months before you apply for a credit card. You may also have to show proof of your income and provide evidence of employment.

How our site works

We want to show you as many credit reporting companies as possible, so you can choose the one that suits you best. We can t promise to show you every single company, because some don t want to be included on comparison websites. We ve ranked the companies according to the fee they pay us, from highest to lowest. This doesn t necessarily mean that the company at the top of the list is the best one for you make sure you compare them to find the one that suits you best. You can find out more about how we work here.





Credit Reports South Africa, check my credit rating.#Check #my #credit #rating

Importance of viewing your credit report

Credit checks are usually conducted on a client, future client or employee in order for the company or lender to see what the credit history of the client looks like. Credit checks play an integral part in the decisions that are made whether to loan monies or give credit to individuals.

With Kudough you will now be able to check your personal credit history from at least three different credit bureaus in South Africa. All three bureaus are reputable and have been conducting business in South Africa for a long period of time.

With the National Credit Act in place to protect the interests and rights of consumers, you are now in a position to personally check credit yourself whenever you need to, especially before you apply for credit.

Should an employer require a credit check on future employees, consent from you is required prior to this information being divulged by the credit bureaus. This is to protect the privacy and the rights of individuals. You are now in a position to see exactly what the lender sees on a credit report.

Have your finger on the pulse at all times and ensure that there is no fraudulent activity carried out in your good name; the only way to keep an eye on this kind of activity is by carrying out regular credit checks with Kudough to ensure that you are not being taken advantage of in any way.

Start now by obtaining your Credit Report instantly and on line from Credit Reports South Africa. Save by getting access monthly with a host of tools and tips to help you manage and improve your credit status. Remember, credit reports are just the first step in changing your financial lifestyle. Let Credit Reports South Africa be your guide on the journey to powerful credit.

Get your 3 in 1 Credit Report NOW!

About Kudough and our Credit Report

Kudough is about helping you build your credit status so that you can use it to your advantage. We call it Credit Power. It’s essentially credit that saves you money today and into the future through savings on loan repayments, insurance premiums and a whole lot more. Kudough is today’s solution to protecting your financial health, while building your financial strength. Kudough makes use of sophisticated technology that uses the information that credit bureaus and credit providers have and turn this into, well, gold if you look at it smartly. We put the power back into your hands giving you all the insight about your best financial opportunity – yourself.Improving your Credit Status or maintaining a good status is as important as earning your salary in the first place – its about protecting the value of your money and saving money in the future. Your Kudough Journey is a virtual representation of your monthly credit progress (Kudough Status). Your credit worthiness may improve, or get worse over time depending on your credit activities and if you have kept up to date with your account payments. We track your path by visualizing your Status across many amazing calculations over your membership period. So things in life are priceless, and one of those being insight into yourself.

Benefits and tools available when accessing your credit report from Kudough

Credit Score

A credit score is a number generated by a mathematical algorithm, based on the statistical analysis of information in your credit report, compared to information on millions of other people. The number is a highly accurate prediction of how likely you are to pay your acounts. A number, roughly between 300 and 999, which measures an individual’s credit worthiness.

  • Payment History
  • Amounts owed / Account Utilisation
  • Age of Accounts
  • Judgments and Defaults
  • Enquiries

Benefits and tools available when accessing your credit report from Kudough

To help you know all that there is about your credit status we created the Kudough Credit Power Status.

Check my credit rating

Check my credit rating





The credit score rating scale; range – The Credit Scoring Site, credit rating scale.#Credit #rating #scale

The credit score scale

Curious. But the big question is: Wouldn’t it be easier to just start at zero?

Somebody, please, help these experts. The consumer can’t take much more expertise and help.

What is the FICO credit score scale?

The FICO credit score scale is 300 to 850. So, the range is 550 (850 minus 300).

And, here come conflicting statements from the FICO credit score company, itself. On July 22, 1999, at the Federal Trade Commission’s “Public Forum : The Consumer and Credit Scoring” a Fair Isaac representative entered the following into the records:

Well, there are many different credit scoring systems. In the Fair, Isaac credit bureau systems, which is probably what you’ve got in mind, the range is from somewhere in the low 300’s to something close to 900. Again, you don’t see many 900’s. You don’t see many 325’s.

Today, according to Fair Isaac, you don’t see any 900s.

Here’s Fair Isaac, again, on June 22, 2000 in an online chat “Color of Money Live With Michelle Singletary – Credit Scoring with Craig Watts of Fair, Isaac and Company, Inc.“:

FICO scores range from the 300s to the 900s, with scores at either end being very rare.

Not an insignificant event. That’s when we found out that “close to 900” meant over 900, too. Imagine the time wasted by the 850s who thought they could get to 900. And these have to be some of the smartest people in America, whiling away their hours worrying about a ghost when they should have been solving big problems, creating a better world.

Consumers’ understanding of credit scores

Fair Isaac loves statistics. It’s a statistics company, so there’s nothing weird about that. Here’s one: “49% do not understand that credit scores measure credit risk.”

But the company’s 2004 booklet “Understanding Your Credit Score” states, “FICO scores range from about 300 to 850.”

About 300? Is it 300 or not? This isn’t just some ranting boob with a web site going off half-cocked, this is the company that created the score.

No wonder 49% don’t get it.

The FICO score distribution chart doesn’t list an 800-850 category. It’s “800+.” And that segment is more crowded than it was before. Now, 13% have scores of 800 or more, up from 11%. You’re not so special, anymore.

The FICO score medallion

So, maybe things in the fancy secret algorithm changed. Or, maybe they just decided to lop off the tails of the distribution to stop the madness. Fair Isaac’s public response (or, perhaps, the new-and-improved, Fair Isaac ad agency’s response) to all this was to create an icon that says it, once and for all: “300-850.”

It looks like a cross between a gold embossed foil seal on your diploma, a foot race medal, and the Good Housekeeping Seal.

300 to 850? In this system of winners and losers, why can’t you get a score higher than 850? What if everybody gets an 850? Does that mean there is almost no risk? Do they bring back the 900s? Will the American consumer become the best investment in the world, dragging rates to even lower all-time lows?

Proclamations of the FICO score scale

At the risk of creating more confusion, these quotes are submitted for your amusement. This stuff is dry enough.





Credit Report, Credit Score and Credit Rating – Office of Consumer Affairs, credit rating scale.#Credit #rating #scale

Credit Report, Credit Score and Credit Rating

Along with the credit histories of millions of other people, your credit history is recorded in files maintained by at least one of Canada’s major credit-reporting agencies: Equifax Canada and TransUnion Canada. It is possible to obtain your credit file for free. Please consult the agencies’ websites in order to obtain more information. These files are called credit reports. A credit report is a snapshot of your credit history. It is one of the main tools lenders use to decide whether or not to give you credit.

Your credit file is created when you first borrow money or apply for credit. On a regular basis, companies that lend money or issue credit cards to you, including banks, finance companies, credit unions, retailers, send specific factual information related to the financial transactions they have with you to credit reporting agencies.

Summary of methods to request your credit report and their respective characteristics

Internet

Credit Score

Your credit score is a judgment about your financial health, at a specific point in time. It indicates the risk you represent for lenders, compared with other consumers.

There are many different ways to work out credit scores. The credit-reporting agencies Equifax and TransUnion use a scale from 300 to 900. High scores on this scale are good. The higher your score, the lower the risk for the lender. Lenders may also have their own ways of arriving at credit scores. In addition, lenders must decide on the lowest score you can have and still borrow money from them. They can also use your score to set the interest rate you will pay.

Credit Rating

Some credit-reporting agencies report the lenders’ rating of each of your credit history items on a scale of 1 to 9. A rating of 1 means you pay your bills within 30 days of the due date. A rating of 9 means that you never pay your bills at all or that you have made a consumer debt repayment proposal to the lender. A letter will also appear in front of the number: for example, I2, O2, R2. The letter stands for the type of the credit you are using.

  • I means you were given credit on an installment basis, such as for a car loan, where you borrow money once and repay it in fixed amounts, on a regular basis, for a specific period of time until the loan is paid off.
  • O means you have open credit such as a line of credit, where you borrow money, as needed, up to a certain limit and the total balance is due at the end of each period. This category may also include student loans, for which the money may not be owing until you are out of school.
  • R means you have revolving credit, where you make regular payments in varying amounts depending on the balance of your account, and can then borrow more money up to your credit limit. Credit cards are a good example of revolving credit.

The most common ratings are R ratings. These are known as North American Standard Account Ratings and are the most frequently used. The R indicates that the item being described involves revolving credit. If you always pay on time, it will be coded an R1. If an amount was written off because you never paid it back, it is coded R9. The R ratings are a coding system that translates on time , one month late , two months late , etc. , into two-digit codes. 3





What is a Good Credit Score Rating, credit score rating.#Credit #score #rating

What is a Good Credit Score Rating?

What number is considered a good credit score rating? On a scale that usually goes from 300 to 850, the short answer is anything above 720.

Why does it matter to have a good score? A high credit rating can significantly reduce your borrowing costs (including the interest rate you have to pay the lenders). Even if you don’t plan to borrow money, having a good credit score can benefit you in many ways.

Unfortunately, it is not as simple as just checking your score with any credit agency. There are many different scoring systems, and each has a different scale. New systems are introduced occasionally, and individual lenders have their own criteria and variations on scores. Even with all this variation, you can still get a good idea of where you stand by getting your credit scores from the three main credit reporting bureaus.

Note: You can also get your credit reports for free from AnnualCreditReport.com.

Credit Score Ranges: Good, Bad, and Excellent

While there are many credit scoring systems, it is generally accepted that any score above 720 (particularly on the FICO scale) is considered a GOOD credit score. To help you visualize this, here’s a rating scale (recognize that there are no official brackets; this is just an approximation of a continuous range):

Credit Sesame

Credit score rating

The image above is a scale from Credit Sesame. According to Credit Sesame, a GOOD credit score rating ranges from 680-739 and an EXCELLENT credit score is anything above 740.

Credit Karma

Credit score rating

The chart from Credit Karma suggests that a GOOD credit score is generally between 700 and 750.

Equifax

Here is an older image from the now retired Equifax Credit Score Card™. According to Equifax, a GOOD credit score rating ranges from 725-759, and an EXCELLENT credit score is anything above 760.

Credit score rating

Check Your Credit Scores for Free*

If you don’t know your credit scores yet, you can use some of the sites listed below to gain access to your credit scores.

Credit score rating

Credit score rating

Credit score rating

* There is currently no free option for Equifax. You can get your score directly from Equifax for a one-time fee of $19.95.

Click the following link for more information on how to get your credit scores for free.

How Your Credit Worthiness Affects Your Borrowing Costs

Overall, your scores do a very good job of predicting how likely you are to repay your debt. Therefore, lenders rely heavily on credit scores to determine whether or not to loan you money. Your credit score also determines what price you’ll pay, in the form of interest charges and other fees. Typically, people with higher credit scores receive lower interest rates compared to people with lower credit scores.

To give you an idea of how your credit score affects your interest rate, here’s an example of 30-year mortgage interest rate for a $300,000 loan from the myFICO web site (data as of May 9, 2013):

Factors that Impact Your Credit Score

Credit score rating

Your credit score is a number generated by a mathematical formula. This formula analyzes information in your credit report to derive your credit score — a number ranging from 300 to 850. Your credit score is a reflection of your credibility (creditworthiness). Here are some of the key factors that affect your credit score rating:

  • Payment history – Did you miss a payment? How much was it, and how long ago did it happen? Your credit score will be better if you never miss a payment.
  • How much do you currently owe – Your credit score could be negatively affected if you owe too much money.
  • Credit history — How long have you been using credit? The longer the better; that’s why many credit experts recommend that you do not close your credit card accounts.
  • Application for credit — When was the last time you applied for a loan? Was it approved, or was your application rejected? A string of loan and/or credit card applications could raise a flag and lower your score.
  • Credit mix — A good variety of loans generally helps your scores, e.g., home loan, car loan, student loan, business loan, and credit cards.

Good Credit Score Alone is Not Enough

You can do your best to approximate a desirable credit score, but there is no standard that dictates what a good score is. As such, it’s possible that you may be surprised by the interest rate offered on your next loan. What happens if your lender asks you to pay a high interest rate despite your good credit? Or worse, what if the bank doesn’t lend you the money?

This could mean a few things:

  1. The lender may be looking at a report that’s using a different system than the scoring scale you are looking at.
  2. Something could have changed since the last time you checked your credit scores.
  3. Your income is too low, or too unpredictable — e.g., you’re self-employed or a small business owner.
  4. Your debt-to-income ratio is too high — perhaps you have too many outstanding debt obligations.
  5. Your lender may have a very strict lending guideline.

When this happens, you might consider working with another lender or delay your loan application to give yourself time to improve your credit score.





Credit Report – Check Your Credit Rating or Score Today, credit rating.#Credit #rating

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Credit Reporting

Do you know what your credit score is? Find out your credit rating and keep track of any changes to it. Not only will this improve your chances of being accepted for a credit card or loan, but you ll also be able to spot any suspicious activity on your credit file.

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Experian CreditExpert

£14.99 per month

Unlimited access to your Experian Credit Score and credit report

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Equifax

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You can boost your chances of being accepted for a credit card or loan by finding out your credit score first. Knowledge is power, so being in the know by being party to the same information as the lender, will place you in a much stronger position.

Are you aware of what sort of information is held on your credit file? Unless you regularly check your file, the chances are you don t know, but finding out can help you work out the best ways to improve your rating.

The information held on your credit file helps lenders to decide whether or not they will accept your credit card, mortgage, loan or even mobile phone contract application.

If you know you ve made a few financial slip ups in the past and your credit score could be better, or you ve never borrowed and so haven t yet built up a credit history in the first place, there are steps you can take to improve your rating so you are more likely to be accepted if you want to take out a loan or apply for a credit card.

Are you on the electoral roll?

If you have registered to vote, then you should already be on the electoral roll at your current address. The electoral roll is used by many companies to check you are who you say you are, so they can ensure someone else isn t using your identity fraudulently to make credit applications in your name. If you’re not registered on the electoral roll, you ll need to get in touch with your local council and request a registration form, or alternatively you can register online.

Are you already a borrower?

It might sound odd, but if you ve never borrowed money before, lenders are likely to see this as a negative. They want to know that you can manage your money responsibly, and if you have never borrowed, this cannot be demonstrated. If you haven t ever had a credit card or loan, it may therefore be worth opening an account in order to create a credit history but make sure you repay what you owe and on time, otherwise you could end up with a black mark on your credit file.

Check your credit rating

Are you certain that the information held about you is absolutely right? It is worth checking your file to make sure that it does not contain details that are wrong and could restrict your chances of being accepted credit. You can get a copy of your credit report at our credit monitoring service. And if you find any inaccuracies you can apply to the relevant agency to get them changed.

County Court Judgments (CCJs)

If you’ve had a County Court Judgement against you which has now been settled, make sure this is recorded on your credit file, as having one which hasn t yet been settled can have a very negative impact on your credit rating. If your CCJ isn t showing up as being settled, ask the court to provide confirmation details and pass these on to the credit rating agencies.

Don t make repeated applications

If you are turned down for credit, don t be tempted to make lots of other applications elsewhere. These will leave a footprint on your credit file which could work against you as lenders might think you are desperate to borrow money, or that you are victim of identity fraud. Before making any credit application, get hold of a copy of your report so you know how strong your credit rating is, and only make applications for deals you are confident you will be accepted for.

Change of circumstances

If your personal situation has changed, for example, you ve got divorced or lost your job, and you are finding it difficult to make ends meet, you must let lenders know as soon as possible. You can put a Notice of Correction on your credit file explaining why you might have missed any payments. Lenders should take this into consideration when you make a credit application, particularly if you are able to show you have subsequently got back on track financially.

Keep borrowing in check

Don t max out your credit card. If you owe money on your card, you should try and ensure it isn t more than a third of your overall credit limit. If you often own much more than this, then lenders might start to worry about lending you any more money as they will be concerned you might not be able to keep up with repayments.

Pay on time

Make sure payments go out on time by setting up direct debits and standing orders wherever possible. It’s easy to forget a payment so setting up direct debits and standing orders with your bank will ensure payments go out on time. This will also ensure you won t be stung by any penalty charges or fees for paying late, which could have a negative impact on your credit rating.

Shut down credit accounts you no longer use

If you ve got credit cards or other credit accounts which you don t need any more, shut them down as soon as possible. When lenders look at your credit file, they focus on the total amount of credit available to you, as opposed to the amount you actually owe, so having lots of open accounts could reduce your credit rating.

Pay on time

Missing or late loan or credit card repayments will work against you and leave a black mark on your credit file. Make sure you always pay on time as this will show lenders that you are good at managing your money.

Other factors which can have an impact

As well as looking carefully at your credit history, when you apply for credit lenders will also want to check how long you have been a UK resident. If you have only recently moved here, you may have to wait at least three months before you apply for a credit card. You may also have to show proof of your income and provide evidence of employment.

How our site works

We want to show you as many credit reporting companies as possible, so you can choose the one that suits you best. We can t promise to show you every single company, because some don t want to be included on comparison websites. We ve ranked the companies according to the fee they pay us, from highest to lowest. This doesn t necessarily mean that the company at the top of the list is the best one for you make sure you compare them to find the one that suits you best. You can find out more about how we work here.





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You automatically become a member when you purchase credit report checking services. Members can login to the Equifax Member Centre.

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UK Credit Reference Agency

Equifax are a market leading credit reference agency in the UK. Equifax provide a range of services that enable UK residents to check and monitor the information on their personal credit files.

Your personal credit report can impact on your ability to make purchases, raise finance (credit cards, mortgages and loans), access services (such as mobile phone contracts) and can even impact on your ability to get a job. Checking your Equifax credit report is essential to ensure that you are not a victim of identity theft or identity fraud.

Overviews of Credit Report Services

If you are looking to order a credit report, or credit monitoring service. You may want to read details of the various service offerings from Equifax. Using these links you will find facilities read overviews of the UK Free Credit Report Service, the Credit Rating Service: Check Your UK Credit Score Online , the Credit Watch Gold Monitoring Service and the Identity Watch Monitoring Service .

Check Your Credit Report for Free, or Use Paid For Subscription Services

There are a range of online credit report services, with pricing to suit everyone’s needs. Whether you want to find out your credit score, sign up to a credit monitoring service, assist with identity protection, carry out a one off check or annual check of your credit report, you will find that Equifax have a service for you!

Order Online Today

Once you’ve ordered a credit reporting service, Equifax provide you with tips and advice to help you check your credit report for accuracy and improve your credit score. If you have any credit related questions, you can get these answered via the Equifax Member Centre. Ensure that you are maximising the potential of your credit file by ordering a free credit report, a credit rating or a credit monitoring service online from Equifax today!

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Credit Repair – Rating Check In Australia, Clean Credit, how to improve credit rating.#How #to #improve #credit #rating

Credit Repair Rating Check in Australia

Clean Credit is a leading credit repair company in Australia. With our passionate team of financial experts, we have helped many Australians to fix their bad credit rating and improve their credit rating. If you have been rejected for a loan or want to improve your credit score, then call Clean Credit today for a free credit repair consultation. Clean Credit wants to help you restore your credit history.

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Credit Rating Importance

At Clean Credit, we understand the importance of a clean credit rating. That is why we work to help Australians improve their credit scores and escape from the misery of “credit prison”. We are proud to be up to date with the latest Australian credit legislation and credit negotiation procedures. In addition to this, we have a long history of dealing with creditors and lending companies. Through this we have built strong professional relationships with many credit providers, meaning we can provide an efficient and highly successful credit repair service to our clients. Even better, Clean Credit offers a No Win No Removal Fee policy, meaning our removal fees are only charged if we are successful in removing or repairing a negative listing on your credit report.

Australian Credit Repair

Clean Credit is proud to offer its services Australia-wide. If you live in Sydney (New South Wales, NSW), Melbourne (Victoria, VIC), Canberra (Australian Capital Territory, ACT), Brisbane (Queensland, QLD), Adelaide (South Australia, SA), Perth (Western Australia, WA), Darwin (Northern Territory, NT) or Hobart (Tasmania, TAS) or anywhere in between, Clean Credit can help you repair your credit file.

No Win No Removal Fee

As an industry leader in credit repair, Clean Credit is confident that we can help you repair your credit file and improve your credit rating. That is why our removal fees are only charged if we are successful in removing or improving a negative listing from your credit file. Your success is our success! (*Terms Conditions Apply)

Enquire with No Impact on My Credit Rating

At Clean Credit, we understand how important your credit report is. That is why we offer free no-obligation consultations when you enquire about our credit repair service. This consultation will not impact your credit score. Contact us today to find out how we can help you. *Terms Conditions Apply





Credit Report, Credit Score and Credit Rating – Office of Consumer Affairs, how to improve credit rating.#How #to #improve #credit #rating

Credit Report, Credit Score and Credit Rating

Along with the credit histories of millions of other people, your credit history is recorded in files maintained by at least one of Canada’s major credit-reporting agencies: Equifax Canada and TransUnion Canada. It is possible to obtain your credit file for free. Please consult the agencies’ websites in order to obtain more information. These files are called credit reports. A credit report is a snapshot of your credit history. It is one of the main tools lenders use to decide whether or not to give you credit.

Your credit file is created when you first borrow money or apply for credit. On a regular basis, companies that lend money or issue credit cards to you, including banks, finance companies, credit unions, retailers, send specific factual information related to the financial transactions they have with you to credit reporting agencies.

Summary of methods to request your credit report and their respective characteristics

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Credit Score

Your credit score is a judgment about your financial health, at a specific point in time. It indicates the risk you represent for lenders, compared with other consumers.

There are many different ways to work out credit scores. The credit-reporting agencies Equifax and TransUnion use a scale from 300 to 900. High scores on this scale are good. The higher your score, the lower the risk for the lender. Lenders may also have their own ways of arriving at credit scores. In addition, lenders must decide on the lowest score you can have and still borrow money from them. They can also use your score to set the interest rate you will pay.

Credit Rating

Some credit-reporting agencies report the lenders’ rating of each of your credit history items on a scale of 1 to 9. A rating of 1 means you pay your bills within 30 days of the due date. A rating of 9 means that you never pay your bills at all or that you have made a consumer debt repayment proposal to the lender. A letter will also appear in front of the number: for example, I2, O2, R2. The letter stands for the type of the credit you are using.

  • I means you were given credit on an installment basis, such as for a car loan, where you borrow money once and repay it in fixed amounts, on a regular basis, for a specific period of time until the loan is paid off.
  • O means you have open credit such as a line of credit, where you borrow money, as needed, up to a certain limit and the total balance is due at the end of each period. This category may also include student loans, for which the money may not be owing until you are out of school.
  • R means you have revolving credit, where you make regular payments in varying amounts depending on the balance of your account, and can then borrow more money up to your credit limit. Credit cards are a good example of revolving credit.

The most common ratings are R ratings. These are known as North American Standard Account Ratings and are the most frequently used. The R indicates that the item being described involves revolving credit. If you always pay on time, it will be coded an R1. If an amount was written off because you never paid it back, it is coded R9. The R ratings are a coding system that translates on time , one month late , two months late , etc. , into two-digit codes. 3





7 Ways To Improve Your Credit Score, how to improve credit rating.#How #to #improve #credit #rating

7 ways to improve your credit score

If you need to boost your credit score, it won’t happen overnight.

Credit scores take into account years of past behavior you can find on your credit report, and not just your present actions.

But there are some steps you can take now to start on the path to better credit.

7 steps to raise your credit score

  1. Watch those credit card balances.
  2. Eliminate credit card balances.
  3. Leave old debt on your report.
  4. Use your calendar.
  5. Pay bills on time.
  6. Don’t hint at risk.
  7. Don’t obsess.

1. Watch those credit card balances

One major factor in your credit score is how much revolving credit you have versus how much you’re actually using. The smaller that percentage is, the better it is for your credit rating.

The optimum: 30 percent or lower.

To boost your score, “pay down your balances, and keep those balances low,” says Pamela Banks, senior policy counsel for Consumers Union.

If you have multiple credit card balances, consolidating them with a personal loan could help your score.

What you might not know: Even if you pay balances in full every month, you still could have a higher utilization ratio than you’d expect. That’s because some issuers use the balance on your statement as the one reported to the bureau. Even if you’re paying balances in full every month, your credit score will still weigh your monthly balances.

One strategy: See if the credit card issuer will accept multiple payments throughout the month.

2. Eliminate credit card balances

“A good way to improve your credit score is to eliminate nuisance balances,” says John Ulzheimer, a nationally recognized credit expert formerly of FICO and Equifax. Those are the small balances you have on a number of credit cards.

The reason this strategy can boost your score: One of the items your score considers is just how many of your cards have balances, Ulzheimer says. That’s why charging $50 on one card and $30 on another instead of using the same card (preferably one with a good interest rate) can hurt your credit score.

The solution to improve your credit score is to gather up all those credit cards with small balances and pay them off, Ulzheimer says. Then select one or two go-to cards that you can use for everything.

“That way, you’re not polluting your credit report with a lot of balances,” he says.

3. Leave old debt on your report

Some people erroneously believe that old debt on their credit report is bad.

The minute they get their home or car paid off, they’re on the phone trying to get it removed from their credit report.

Negative items are bad for your credit score, and most of them will disappear from your report after seven years. However, “arguing to get old accounts off your credit report just because they’re paid is a bad idea,” Ulzheimer says.

Good debt — debt that you’ve handled well and paid as agreed — is good for your credit. The longer your history of good debt is, the better it is for your score.

One of the ways to improve your credit score: Leave old debt and good accounts on as long as possible. This is also a good reason not to close old accounts where you’ve had a solid repayment record.

Trying to get rid of old good debt “is like making straight A’s in high school and trying to expunge the record 20 years later,” Ulzheimer says. “You never want that stuff to come off your history.”

4. Use your calendar

If you’re shopping for a home, car or student loan, it pays to do your rate shopping within a short time period.

Every time you apply for credit, it can cause a small dip in your credit score that lasts a year. That’s because if someone is making multiple applications for credit, it usually means he or she wants to use more credit.

However, with three kinds of loans — mortgage, auto and more recently, student loans — scoring formulas allow for the fact that you’ll make multiple applications but take out only one loan.

The FICO score, a credit score commonly used by lenders, ignores any such inquiries made in the 30 days prior to scoring. If it finds some that are older than 30 days, it will count those made within a typical shopping period as just one inquiry.

The length of that shopping period depends on the credit score used.

If lenders are using the newest forms of scoring software, then you have 45 days, says Ulzheimer. With older forms, you need to keep it to 14 days.

Older forms of the software won’t count multiple student loan inquiries as one, no matter how close together you make applications, he says.

5. Pay bills on time

If you’re planning a major purchase (like a home or a car), you might be scrambling to assemble one big chunk of cash.

While you’re juggling bills, you don’t want to start paying bills late. Even if you’re sitting on a pile of savings, a drop in your score could scuttle that dream deal.

One of the biggest ingredients in a good credit score is simply month after month of plain-vanilla, on-time payments.

“Credit scores are determined by what’s in your credit report,” says Linda Sherry, director of national priorities for Consumer Action. If you’re bad about paying your bills — or paying them on time — it damages your credit and hurts your credit score, she says.

That can even extend to items that aren’t normally associated with credit reporting, such as library books, she says. That’s because even if the original “creditor,” such as the library, doesn’t report to the bureaus, they may eventually call in a collections agency for an unpaid bill. That agency could very well list the item on your credit report.

Putting cash into a savings account for a major purchase is smart. Just don’t slight the regular bills to do it.

6. Don’t hint at risk

Sometimes, one of the best ways to improve your credit score is to not do something that could sink it.

Two of the biggies are missing payments and suddenly paying less (or charging more) than you normally do, says Dave Jones, retired president of the Association of Independent Consumer Credit Counseling Agencies.

Other changes that could scare your card issuer (but not necessarily hurt your credit score): taking cash advances or even using your cards at businesses that could indicate current or future money stress, such as a pawnshop or a divorce attorney, he says.

“You just don’t want to do anything that would indicate risk,” Jones says.

7. Don’t obsess

You should be laser-focused on your credit score when you know you’ll soon need credit. In the interim, pay your bills and use credit responsibly. Your score will reflect these smart spending behaviors.

Are you getting ready to make a big purchase, such as a home or car? At least a few months in advance, have a look at your credit score.

While the score that you get through your bank or a service may not be the exact same one your lender uses, it will grade you on many of the same criteria and give you a good indication of how well you’re managing your credit. It will provide you with specific ways to improve your credit score — in the form of several codes or factors that kept your score from being higher.

If you are denied credit (or don’t qualify for the lender’s best rate), the lender has to show you the credit score it used, thanks to the Dodd-Frank Wall Street Reform and Consumer Protection Act.

Another smart move is to regularly check your credit reports.

You’re entitled to one of each of your three credit bureau reports (Equifax, Experian and TransUnion) for free every 12 months through AnnualCreditReport.com.

It’s smart to stagger them. Send for one every four months, and you can monitor your credit for free.





GM Card Login – Make Payments, Check Balance, how to check your credit rating.#How #to #check #your #credit #rating

www.gmcard.com login Pay Bills at www.gmcard.com/myaccount

How to check your credit rating

UPDATED November 2, 2016 The GM Card Login offers unique benefits for both families and businesses through three different credit cards including the GM Family Extended Card, BuyPower Card, and BuyPower Business Card. Each has no annual fee and is easy to apply for online. They are all associated with the Capital One GM card. We are in no way affiliated with GMCard.com/myaccount, continue reading for GM Card login access.

Your GMCard.com Login

When signing up for a GM Card Login online you must provide an email, name, address, phone number, Social Security Number, annual income, and other financial information. Part of this process is to run a credit check using one of the 3 credit bureaus. Approval for a GMCard is dependent on what credit rating comes back from the credit check. Once an application is approved individuals must create a GM Card login. It is done using a secure online system that provides identity theft protection. How to check your credit rating

GM Card Extended Family Card

The GM Extended Family Card lets cardholders earn 1% credit toward the purchase of their next GM, Buick, Cadillac or Chevrolet. Cardholders can also combine earnings on the card and discount toward the purchase of their next car. When it is time to redeem the GMCard reward points call dealership and get a vehicle authorization number. Discuss the best purchase price and deduct the earnings from the vehicle price. Individuals can choose a car, SUV, or truck from the selected dealers.

The GM Extended Family Card offers many deals and discounts. Cardholders can participate in the GM Employee Discount Program, GM Supplier Discount Program, GM Military Discount Program, and GM Credit Union. A GM Card Login has many great benefits for your family. If you rack up $100 dollars in points you can get $100 cash. Keep track of earnings with a GM Card Login online account by viewing your monthly statement electronically.

The GMCard lets you earn 5% on your first $5,000 worth of purchases the first year. After that it is 2% earnings on an unlimited amount of purchases. Earnings can be used to lower payments on your next car, upgrade your vehicle, or get behind the wheel of a new car faster. The Buy Power Business Card gives you 5% earnings on purchases of GM parts, accessories, and services. This includes gas, restaurants, and office supplies. You have 1% earnings on all other purchases. Each card has its own special features and rewards for customers.

How to check your credit rating

GM Card Login

If you are considering applying for a GM Card credit card you will have to be approved first. This approval is based off of your credit score and financial standings. Once approved creating your GM Card Login is simple. Click on the “Sin In” button at the top of GMCard.com. This will redirect to a login page where the cardholder will have to click Personal or Business. This action will take you to another page where if you’re a new user have the opportunity to “Register Now” and create your username and password. New users will be required to enter personal information including social security number and credit card number. Choose a username that will be easy to remember like an email address. Password protection is very important for identity theft protection, so when creating a password use numbers, letters, and special characters. If a returning user add your username and password and click the “Login” button.

Login Issues

If you forgot your GMCard.com password, please see Reset Your Password

Company Contact GM Card Login Customer Service





Watch, listen, and discover with Canada – s Public Broadcaster, credit rating check free.#Credit #rating #check #free

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Presidents, dissidents, siblings spies: 7 assassination attempts using lethal poisons

10 ways to improve addictions treatment, from someone who s been there

I still see their faces : This 98-year-old painter reflects on his time in WWII

Dragons Den: That s a ridiculous deal

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Trudeau s invite to East Asia Summit proof Canada s back, Freeland says

The devil s in the details : D.C. s new Bible museum stirs controversy over links to prominent fundamentalist

Woefully inaccurate Inuit population data overwhelming local agencies

Stittsville residents throw Rosehill Expressway party to protest spike in traffic

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A French teen finds the remains of 8 Canadian WWI soldiers in his backyard

The story of Canada s First World War all-black military battalion

Help me fly : Jane Channell turns tragic death of her boyfriend into Olympic inspiration

He s going to hurt someone else : Poll finds 68% of health workers in Ontario assaulted in past year

Try saying these tongue twisters 3 times fast for Tongue Twister Day

My last name has nothing to do with my music : Noah Cyrus breaks out on her own

WWI vet returns to Belgium 40 years later to dig up buried rum

Teaching men to ask for consent

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For air times of CBC-TV shows with described video, visit Accessible Media Inc. s Described Video TV Guide . (Described video is not currently available online.)





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How your Experian Credit Report Score can help you

Your Experian Credit Score is a straight forward way of showing how lenders may view you, based on information in your Experian Credit Report. The better your credit score the better your chances are of getting a credit card, a loan or even a mortgage, along with great rates for each. Your Experian Credit Report allows you to see the information lenders use when carrying out a credit check.

If you have a low score or there is room to improve, checking your credit report can help you see whether the information on it is correct and understand what could be affecting your score.

To find out your options for viewing your Experian Credit Score or Experian Credit Report, see which product is right for you.

Your personal details are in good hands

Experian takes data security very seriously and we are always reviewing and improving our measures to keep your information safe. Experian is unaffected by the recent Equifax data breach.

We have lots of resources to help you look after your personal details – here’s information on protecting yourself and spotting the warning signs of identity fraud.

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Experian acts independently and although CreditMatcher shows products for a range of lenders and other brokers it does not cover the whole of the market, meaning other products may be available to you. CreditMatcher services are provided free however we will receive commission payments from lenders or brokers we introduce you to. Information about the commission we receive from brokers for mortgages and secured loans can be found in our help section.

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Do you know what your credit score is? Find out your credit rating and keep track of any changes to it. Not only will this improve your chances of being accepted for a credit card or loan, but you ll also be able to spot any suspicious activity on your credit file.

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Credit Reports, Monitoring & Identity Theft Protection

    • Provider/Product name Credit rating check free

Experian CreditExpert

£14.99 per month

Unlimited access to your Experian Credit Score and credit report

Expert advice to help improve your Experian credit score

The UK’s most trusted Credit Score (Source: ICMUnlimited survey, July 2016)

Access to an award-winning UK Customer Contact Centre and dedicated Victim of Fraud Team

Equifax

£14.95 per month

– 30 day FREE trial

– Unlimited, easy online access to your latest Equifax Credit Report Score

– Identity protection Be alerted if we find your details are shared on websites used by fraudsters

– Telephone support 8am 8pm daily (except 25th 26th December)

– Online help and dispute resolution

Credit Angel

£14.99 per month

Easy to use site with unlimited FREE access to your credit score and report for 30 days

See how your social media activity can affect your ability to gain credit

Credit and Fraud alerts

Tailored finance deals, savings and vouchers

Comprehensive support from Credit Angel’s expert Customer Care Team

Credit report

You can boost your chances of being accepted for a credit card or loan by finding out your credit score first. Knowledge is power, so being in the know by being party to the same information as the lender, will place you in a much stronger position.

Are you aware of what sort of information is held on your credit file? Unless you regularly check your file, the chances are you don t know, but finding out can help you work out the best ways to improve your rating.

The information held on your credit file helps lenders to decide whether or not they will accept your credit card, mortgage, loan or even mobile phone contract application.

If you know you ve made a few financial slip ups in the past and your credit score could be better, or you ve never borrowed and so haven t yet built up a credit history in the first place, there are steps you can take to improve your rating so you are more likely to be accepted if you want to take out a loan or apply for a credit card.

Are you on the electoral roll?

If you have registered to vote, then you should already be on the electoral roll at your current address. The electoral roll is used by many companies to check you are who you say you are, so they can ensure someone else isn t using your identity fraudulently to make credit applications in your name. If you’re not registered on the electoral roll, you ll need to get in touch with your local council and request a registration form, or alternatively you can register online.

Are you already a borrower?

It might sound odd, but if you ve never borrowed money before, lenders are likely to see this as a negative. They want to know that you can manage your money responsibly, and if you have never borrowed, this cannot be demonstrated. If you haven t ever had a credit card or loan, it may therefore be worth opening an account in order to create a credit history but make sure you repay what you owe and on time, otherwise you could end up with a black mark on your credit file.

Check your credit rating

Are you certain that the information held about you is absolutely right? It is worth checking your file to make sure that it does not contain details that are wrong and could restrict your chances of being accepted credit. You can get a copy of your credit report at our credit monitoring service. And if you find any inaccuracies you can apply to the relevant agency to get them changed.

County Court Judgments (CCJs)

If you’ve had a County Court Judgement against you which has now been settled, make sure this is recorded on your credit file, as having one which hasn t yet been settled can have a very negative impact on your credit rating. If your CCJ isn t showing up as being settled, ask the court to provide confirmation details and pass these on to the credit rating agencies.

Don t make repeated applications

If you are turned down for credit, don t be tempted to make lots of other applications elsewhere. These will leave a footprint on your credit file which could work against you as lenders might think you are desperate to borrow money, or that you are victim of identity fraud. Before making any credit application, get hold of a copy of your report so you know how strong your credit rating is, and only make applications for deals you are confident you will be accepted for.

Change of circumstances

If your personal situation has changed, for example, you ve got divorced or lost your job, and you are finding it difficult to make ends meet, you must let lenders know as soon as possible. You can put a Notice of Correction on your credit file explaining why you might have missed any payments. Lenders should take this into consideration when you make a credit application, particularly if you are able to show you have subsequently got back on track financially.

Keep borrowing in check

Don t max out your credit card. If you owe money on your card, you should try and ensure it isn t more than a third of your overall credit limit. If you often own much more than this, then lenders might start to worry about lending you any more money as they will be concerned you might not be able to keep up with repayments.

Pay on time

Make sure payments go out on time by setting up direct debits and standing orders wherever possible. It’s easy to forget a payment so setting up direct debits and standing orders with your bank will ensure payments go out on time. This will also ensure you won t be stung by any penalty charges or fees for paying late, which could have a negative impact on your credit rating.

Shut down credit accounts you no longer use

If you ve got credit cards or other credit accounts which you don t need any more, shut them down as soon as possible. When lenders look at your credit file, they focus on the total amount of credit available to you, as opposed to the amount you actually owe, so having lots of open accounts could reduce your credit rating.

Pay on time

Missing or late loan or credit card repayments will work against you and leave a black mark on your credit file. Make sure you always pay on time as this will show lenders that you are good at managing your money.

Other factors which can have an impact

As well as looking carefully at your credit history, when you apply for credit lenders will also want to check how long you have been a UK resident. If you have only recently moved here, you may have to wait at least three months before you apply for a credit card. You may also have to show proof of your income and provide evidence of employment.

How our site works

We want to show you as many credit reporting companies as possible, so you can choose the one that suits you best. We can t promise to show you every single company, because some don t want to be included on comparison websites. We ve ranked the companies according to the fee they pay us, from highest to lowest. This doesn t necessarily mean that the company at the top of the list is the best one for you make sure you compare them to find the one that suits you best. You can find out more about how we work here.





Equifax UK, FREE Credit Report, Online Credit Rating, credit rating check free.#Credit #rating #check #free

Equifax Consumer Services

Free Credit Report from Equifax

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Equifax Credit Rating

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Online Identity Watch

Identity Watch Fraud Monitoring

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Credit Watch Gold

Credit Watch Gold Monitoring

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You automatically become a member when you purchase credit report checking services. Members can login to the Equifax Member Centre.

Equifax Credit File Advice Centre

UK Credit Reference Agency

Equifax are a market leading credit reference agency in the UK. Equifax provide a range of services that enable UK residents to check and monitor the information on their personal credit files.

Your personal credit report can impact on your ability to make purchases, raise finance (credit cards, mortgages and loans), access services (such as mobile phone contracts) and can even impact on your ability to get a job. Checking your Equifax credit report is essential to ensure that you are not a victim of identity theft or identity fraud.

Overviews of Credit Report Services

If you are looking to order a credit report, or credit monitoring service. You may want to read details of the various service offerings from Equifax. Using these links you will find facilities read overviews of the UK Free Credit Report Service, the Credit Rating Service: Check Your UK Credit Score Online , the Credit Watch Gold Monitoring Service and the Identity Watch Monitoring Service .

Check Your Credit Report for Free, or Use Paid For Subscription Services

There are a range of online credit report services, with pricing to suit everyone’s needs. Whether you want to find out your credit score, sign up to a credit monitoring service, assist with identity protection, carry out a one off check or annual check of your credit report, you will find that Equifax have a service for you!

Order Online Today

Once you’ve ordered a credit reporting service, Equifax provide you with tips and advice to help you check your credit report for accuracy and improve your credit score. If you have any credit related questions, you can get these answered via the Equifax Member Centre. Ensure that you are maximising the potential of your credit file by ordering a free credit report, a credit rating or a credit monitoring service online from Equifax today!

Credit rating check free

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Want to order a personal credit report: Use the links below to place your order for an online credit checking service.

Credit rating check free Check your credit history with a FREE Credit Report when you sign up Online Get a Copy of Your Free Credit Report Online Here!

Credit rating check free LEARN more about Credit Reports, the way lenders use them and how to Improve Your Credit Score: Huge Range of Personal Credit Report Articles Here!





Credit Repair Canada, credit rating canada.#Credit #rating #canada

This proven system will increase your credit score fast

Why Use Our Credit Repair Service?

Customized Credit Repair Restoration.

After a friendly call with one of our credit specialist, we get right to work on your behalf challenging the negative and inaccurate items on your credit report. We also give you all the education and tips to be successful.

Our Client Services Team will assist you each step of the way. You will have 24/7 online access to your account.

Some companies charge big money for “micro-loans” that actually put you further in debt and don’t do much to improve your credit rating. Our service at Cactus Credit does real work that you can feel good about.

About cactuscredit

Getting your credit fixed is more important than ever. You need credit in all areas of your life. If you want to buy a home, get a new vehicle, apply for credit card or personal loan, everything depends on your credit profile.

The experts at Cactus Credit have been in the credit repair business for over 12 years! We’ve helped thousands of people improve their credit profile and improve their lives as a result.

We provide you with the education, resources and systems necessary to change your financial life forever. We care about you, and your future.

We’re so confident in our programs that we also offer a “cancel anytime” policy that let’s you feel comfortable in working with us.

If you’re tired of being denied because of poor credit or you’re sick of paying outrageous interest rates; our programs will give you the confidence you need to live the life you deserve.

Happy customers

Credit rating canada

Thank you and your team for helping me accomplish my credit repairs. It took a while, but due to spending the time to get it right, I was able to refinance my home and save a lot of money in the long run. I will definitely refer your service when the time comes where I find someone who has credit issues.

Credit rating canada

After my credit score got hit hard in 2012 I spent a lot of time and money trying to improve my score. I saw zero improvement. In April of 2015 I learned of your credit repair program. After careful consideration I enrolled and have not regretted that decision for a minute. In just 4 months my score has gone up over 40 points and still rising! Already I am seeing the benefits of an improved score. I have received increases in existing credit lines and approvals on new credit lines as well as a substantial interest rate drop through refinancing my car loan.

Credit rating canada

Oh that is so awesome! I’m very pleased with you guys and really appreciate ya more than you know. I’m so excited.





Apply for Horizon Gold Credit Card, credit card for bad credit rating.#Credit #card #for #bad #credit #rating

Horizon Gold Credit Card

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Credit card for bad credit rating

Horizon Gold Credit Card

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* The Credit-Land.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. Credit-Land.com does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click “Apply” for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer’s website. All logos on the Credit-Land.com website are property of their respective owners.

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Credit Reports South Africa, check credit rating free.#Check #credit #rating #free

Importance of viewing your credit report

Credit checks are usually conducted on a client, future client or employee in order for the company or lender to see what the credit history of the client looks like. Credit checks play an integral part in the decisions that are made whether to loan monies or give credit to individuals.

With Kudough you will now be able to check your personal credit history from at least three different credit bureaus in South Africa. All three bureaus are reputable and have been conducting business in South Africa for a long period of time.

With the National Credit Act in place to protect the interests and rights of consumers, you are now in a position to personally check credit yourself whenever you need to, especially before you apply for credit.

Should an employer require a credit check on future employees, consent from you is required prior to this information being divulged by the credit bureaus. This is to protect the privacy and the rights of individuals. You are now in a position to see exactly what the lender sees on a credit report.

Have your finger on the pulse at all times and ensure that there is no fraudulent activity carried out in your good name; the only way to keep an eye on this kind of activity is by carrying out regular credit checks with Kudough to ensure that you are not being taken advantage of in any way.

Start now by obtaining your Credit Report instantly and on line from Credit Reports South Africa. Save by getting access monthly with a host of tools and tips to help you manage and improve your credit status. Remember, credit reports are just the first step in changing your financial lifestyle. Let Credit Reports South Africa be your guide on the journey to powerful credit.

Get your 3 in 1 Credit Report NOW!

About Kudough and our Credit Report

Kudough is about helping you build your credit status so that you can use it to your advantage. We call it Credit Power. It’s essentially credit that saves you money today and into the future through savings on loan repayments, insurance premiums and a whole lot more. Kudough is today’s solution to protecting your financial health, while building your financial strength. Kudough makes use of sophisticated technology that uses the information that credit bureaus and credit providers have and turn this into, well, gold if you look at it smartly. We put the power back into your hands giving you all the insight about your best financial opportunity – yourself.Improving your Credit Status or maintaining a good status is as important as earning your salary in the first place – its about protecting the value of your money and saving money in the future. Your Kudough Journey is a virtual representation of your monthly credit progress (Kudough Status). Your credit worthiness may improve, or get worse over time depending on your credit activities and if you have kept up to date with your account payments. We track your path by visualizing your Status across many amazing calculations over your membership period. So things in life are priceless, and one of those being insight into yourself.

Benefits and tools available when accessing your credit report from Kudough

Credit Score

A credit score is a number generated by a mathematical algorithm, based on the statistical analysis of information in your credit report, compared to information on millions of other people. The number is a highly accurate prediction of how likely you are to pay your acounts. A number, roughly between 300 and 999, which measures an individual’s credit worthiness.

  • Payment History
  • Amounts owed / Account Utilisation
  • Age of Accounts
  • Judgments and Defaults
  • Enquiries

Benefits and tools available when accessing your credit report from Kudough

To help you know all that there is about your credit status we created the Kudough Credit Power Status.

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Getting a Mortgage with my Credit Rating, MoneySuperMarket, check my credit rating.#Check #my #credit #rating

Credit ratings

By Rachel Wait on Tuesday 18 October 2016

Check my credit rating

Ready to find a mortgage?

It might not seem fair but even having a big deposit in place and a decent salary isn’t enough to guarantee you a mortgage. If you have a bad credit score then your application is likely to be refused.

Will I be accepted for a mortgage if I have a bad credit score?

Banks and building societies are cautious about who they lend to, so they always check applicants’ financial history carefully to see if potential mortgage customers have defaulted on any debt payments in the past. Lenders determine whether they will offer you a mortgage based on these factors:

  • Your credit report
  • County Court Judgments
  • Any bankruptcy proceedings

If any of these scenarios apply, the chances are you won’t be eligible for most mortgage deals, or you will have to pay a higher rate of interest – even if your financial problems occurred a long time ago.

Which mortgages am I eligible for?

There are some mortgages however, which are specifically designed for those whose credit history is far from perfect. These are often known as ‘sub-prime’ mortgages or ‘adverse credit’ mortgages, and are generally offered by lenders specialising in this market.

While they work in the same way as standard mortgages, insofar as you borrow a certain amount and then make monthly repayments over a set term, interest rates are unsurprisingly higher and you are likely to need a more sizeable deposit to put down.

Most lenders will require a deposit of at least 25% to 30% of the property value, compared to around 5% to 10% if you were applying for a standard mortgage.

Check your credit history

Before applying for any mortgage, you should always check your credit report carefully, to establish if there is any reason why your application could be refused. You can obtain a copy of your report from one of the major credit rating agencies, which include Experian, Equifax and CallCredit.

Remember that certain simple oversights, such as not being registered on the electoral roll, or failing to close down credit card accounts that you no longer use, can have a negative impact on your credit rating.

What else mortgage lenders need to know

As well as looking at your credit report, lenders will usually ask you to supply several other bits of information before they agree to offer you a mortgage.

They will want to see pay slips from your employer or typically three years’ accounts if you are self-employed and bank statements to see how you manage your account.

The lender will also ask what other debts you have, so you will need to disclose if you have any personal loans or credit cards. If possible, it’s a good idea to try to pay these down before applying for a mortgage, as this will demonstrate that you take a responsible approach to your finances.

Always try and pay any bills on time too, as late payments will again have a negative impact on your credit history.

Compare interest rates

When applying for any mortgage, whether you have a poor credit history or not, it is vital to compare as many deals as possible to ensure you find the right one to suit your needs. If you aren’t certain which mortgage to go for, then you should speak to a mortgage broker who can talk you through the available options.

Remember to factor in arrangement fees and any other charges, as these can have a significant impact on the overall cost of the mortgage too.





Credit Report – Check Your Credit Rating or Score Today, check credit rating.#Check #credit #rating

Check credit ratingMoneySuperMarket.com

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Credit Reporting

Do you know what your credit score is? Find out your credit rating and keep track of any changes to it. Not only will this improve your chances of being accepted for a credit card or loan, but you ll also be able to spot any suspicious activity on your credit file.

Check credit rating

Credit Reports, Monitoring & Identity Theft Protection

    • Provider/Product name Check credit rating

Experian CreditExpert

£14.99 per month

Unlimited access to your Experian Credit Score and credit report

Expert advice to help improve your Experian credit score

The UK’s most trusted Credit Score (Source: ICMUnlimited survey, July 2016)

Access to an award-winning UK Customer Contact Centre and dedicated Victim of Fraud Team

Equifax

£14.95 per month

– 30 day FREE trial

– Unlimited, easy online access to your latest Equifax Credit Report Score

– Identity protection Be alerted if we find your details are shared on websites used by fraudsters

– Telephone support 8am 8pm daily (except 25th 26th December)

– Online help and dispute resolution

Credit Angel

£14.99 per month

Easy to use site with unlimited FREE access to your credit score and report for 30 days

See how your social media activity can affect your ability to gain credit

Credit and Fraud alerts

Tailored finance deals, savings and vouchers

Comprehensive support from Credit Angel’s expert Customer Care Team

Credit report

You can boost your chances of being accepted for a credit card or loan by finding out your credit score first. Knowledge is power, so being in the know by being party to the same information as the lender, will place you in a much stronger position.

Are you aware of what sort of information is held on your credit file? Unless you regularly check your file, the chances are you don t know, but finding out can help you work out the best ways to improve your rating.

The information held on your credit file helps lenders to decide whether or not they will accept your credit card, mortgage, loan or even mobile phone contract application.

If you know you ve made a few financial slip ups in the past and your credit score could be better, or you ve never borrowed and so haven t yet built up a credit history in the first place, there are steps you can take to improve your rating so you are more likely to be accepted if you want to take out a loan or apply for a credit card.

Are you on the electoral roll?

If you have registered to vote, then you should already be on the electoral roll at your current address. The electoral roll is used by many companies to check you are who you say you are, so they can ensure someone else isn t using your identity fraudulently to make credit applications in your name. If you’re not registered on the electoral roll, you ll need to get in touch with your local council and request a registration form, or alternatively you can register online.

Are you already a borrower?

It might sound odd, but if you ve never borrowed money before, lenders are likely to see this as a negative. They want to know that you can manage your money responsibly, and if you have never borrowed, this cannot be demonstrated. If you haven t ever had a credit card or loan, it may therefore be worth opening an account in order to create a credit history but make sure you repay what you owe and on time, otherwise you could end up with a black mark on your credit file.

Check your credit rating

Are you certain that the information held about you is absolutely right? It is worth checking your file to make sure that it does not contain details that are wrong and could restrict your chances of being accepted credit. You can get a copy of your credit report at our credit monitoring service. And if you find any inaccuracies you can apply to the relevant agency to get them changed.

County Court Judgments (CCJs)

If you’ve had a County Court Judgement against you which has now been settled, make sure this is recorded on your credit file, as having one which hasn t yet been settled can have a very negative impact on your credit rating. If your CCJ isn t showing up as being settled, ask the court to provide confirmation details and pass these on to the credit rating agencies.

Don t make repeated applications

If you are turned down for credit, don t be tempted to make lots of other applications elsewhere. These will leave a footprint on your credit file which could work against you as lenders might think you are desperate to borrow money, or that you are victim of identity fraud. Before making any credit application, get hold of a copy of your report so you know how strong your credit rating is, and only make applications for deals you are confident you will be accepted for.

Change of circumstances

If your personal situation has changed, for example, you ve got divorced or lost your job, and you are finding it difficult to make ends meet, you must let lenders know as soon as possible. You can put a Notice of Correction on your credit file explaining why you might have missed any payments. Lenders should take this into consideration when you make a credit application, particularly if you are able to show you have subsequently got back on track financially.

Keep borrowing in check

Don t max out your credit card. If you owe money on your card, you should try and ensure it isn t more than a third of your overall credit limit. If you often own much more than this, then lenders might start to worry about lending you any more money as they will be concerned you might not be able to keep up with repayments.

Pay on time

Make sure payments go out on time by setting up direct debits and standing orders wherever possible. It’s easy to forget a payment so setting up direct debits and standing orders with your bank will ensure payments go out on time. This will also ensure you won t be stung by any penalty charges or fees for paying late, which could have a negative impact on your credit rating.

Shut down credit accounts you no longer use

If you ve got credit cards or other credit accounts which you don t need any more, shut them down as soon as possible. When lenders look at your credit file, they focus on the total amount of credit available to you, as opposed to the amount you actually owe, so having lots of open accounts could reduce your credit rating.

Pay on time

Missing or late loan or credit card repayments will work against you and leave a black mark on your credit file. Make sure you always pay on time as this will show lenders that you are good at managing your money.

Other factors which can have an impact

As well as looking carefully at your credit history, when you apply for credit lenders will also want to check how long you have been a UK resident. If you have only recently moved here, you may have to wait at least three months before you apply for a credit card. You may also have to show proof of your income and provide evidence of employment.

How our site works

We want to show you as many credit reporting companies as possible, so you can choose the one that suits you best. We can t promise to show you every single company, because some don t want to be included on comparison websites. We ve ranked the companies according to the fee they pay us, from highest to lowest. This doesn t necessarily mean that the company at the top of the list is the best one for you make sure you compare them to find the one that suits you best. You can find out more about how we work here.





Mortgages For People with Bad Credit Rating or Adverse Credit History, bad credit rating.#Bad #credit #rating

Get a mortgage with a bad credit rating

The number of lenders who provide remortgages and mortgages for people with credit problems is limited. There are just a handful of lenders who will help people with CCJs, defaults, mortgage arrears, discharged bankrupts and individuals with a poor credit score or bad credit rating.

The adverse, sub-prime or bad credit mortgage industry as it’s often known has certainly come out of the shadows in the last few years. A decade ago it was a byword for unscrupulous brokers charging high fees and lenders bending over backwards with tantalising offers. Before the credit crunch in 2007 there was a broad range of competitively priced products, less punitive and more innovative in terms of deals. However, in the past few years the market has changed and lenders have become increasingly wary about lending to people with less than perfect credit history.

Having a poor credit rating can be a deflating and traumatic experience, whatever the reason. But there may be deals out there for you whether you’re a first time buyer or moving home. Specialist lenders offer what are known as credit repair deals. Here, you will have to pay a higher interest rate than you would with a conventional deal and put down a sizeable deposit. However, once you have maintained your payments on one of these deals for a sufficient period (usually about three years) your credit history may be in a better position to remortgage back on to a high street deal and reap the benefits of more competitive rates.

People often find it useful to contact a mortgage broker who has experience in the area of adverse credit lending and non standard mortgages. You can do this by simply completing the no obligation contact form on this website. There are a few specialist lenders out there and they get most of their business through brokers.

A truly independent broker will look at your individual circumstances and find the best mortgage for you. They may be able to help you find a mortgage even if you have been turned down elsewhere.

Each enquiry will be dealt with by an experienced advisor in a constructive and sympathetic manner. Even if you have County Court Judgements, credit card defaults, loan defaults, mortgage or rent arrears, bankruptcy, IVA, are self-employed or have difficulty proving your income, there may be suitable products available for you.

Just get in touch with a broker, tell the broker about your situation, and let them do the hard work.





The credit score rating scale; range – The Credit Scoring Site, credit rating scale.#Credit #rating #scale

The credit score scale

Curious. But the big question is: Wouldn’t it be easier to just start at zero?

Somebody, please, help these experts. The consumer can’t take much more expertise and help.

What is the FICO credit score scale?

The FICO credit score scale is 300 to 850. So, the range is 550 (850 minus 300).

And, here come conflicting statements from the FICO credit score company, itself. On July 22, 1999, at the Federal Trade Commission’s “Public Forum : The Consumer and Credit Scoring” a Fair Isaac representative entered the following into the records:

Well, there are many different credit scoring systems. In the Fair, Isaac credit bureau systems, which is probably what you’ve got in mind, the range is from somewhere in the low 300’s to something close to 900. Again, you don’t see many 900’s. You don’t see many 325’s.

Today, according to Fair Isaac, you don’t see any 900s.

Here’s Fair Isaac, again, on June 22, 2000 in an online chat “Color of Money Live With Michelle Singletary – Credit Scoring with Craig Watts of Fair, Isaac and Company, Inc.“:

FICO scores range from the 300s to the 900s, with scores at either end being very rare.

Not an insignificant event. That’s when we found out that “close to 900” meant over 900, too. Imagine the time wasted by the 850s who thought they could get to 900. And these have to be some of the smartest people in America, whiling away their hours worrying about a ghost when they should have been solving big problems, creating a better world.

Consumers’ understanding of credit scores

Fair Isaac loves statistics. It’s a statistics company, so there’s nothing weird about that. Here’s one: “49% do not understand that credit scores measure credit risk.”

But the company’s 2004 booklet “Understanding Your Credit Score” states, “FICO scores range from about 300 to 850.”

About 300? Is it 300 or not? This isn’t just some ranting boob with a web site going off half-cocked, this is the company that created the score.

No wonder 49% don’t get it.

The FICO score distribution chart doesn’t list an 800-850 category. It’s “800+.” And that segment is more crowded than it was before. Now, 13% have scores of 800 or more, up from 11%. You’re not so special, anymore.

The FICO score medallion

So, maybe things in the fancy secret algorithm changed. Or, maybe they just decided to lop off the tails of the distribution to stop the madness. Fair Isaac’s public response (or, perhaps, the new-and-improved, Fair Isaac ad agency’s response) to all this was to create an icon that says it, once and for all: “300-850.”

It looks like a cross between a gold embossed foil seal on your diploma, a foot race medal, and the Good Housekeeping Seal.

300 to 850? In this system of winners and losers, why can’t you get a score higher than 850? What if everybody gets an 850? Does that mean there is almost no risk? Do they bring back the 900s? Will the American consumer become the best investment in the world, dragging rates to even lower all-time lows?

Proclamations of the FICO score scale

At the risk of creating more confusion, these quotes are submitted for your amusement. This stuff is dry enough.





What is a Good Credit Score Rating, credit score rating.#Credit #score #rating

What is a Good Credit Score Rating?

What number is considered a good credit score rating? On a scale that usually goes from 300 to 850, the short answer is anything above 720.

Why does it matter to have a good score? A high credit rating can significantly reduce your borrowing costs (including the interest rate you have to pay the lenders). Even if you don’t plan to borrow money, having a good credit score can benefit you in many ways.

Unfortunately, it is not as simple as just checking your score with any credit agency. There are many different scoring systems, and each has a different scale. New systems are introduced occasionally, and individual lenders have their own criteria and variations on scores. Even with all this variation, you can still get a good idea of where you stand by getting your credit scores from the three main credit reporting bureaus.

Note: You can also get your credit reports for free from AnnualCreditReport.com.

Credit Score Ranges: Good, Bad, and Excellent

While there are many credit scoring systems, it is generally accepted that any score above 720 (particularly on the FICO scale) is considered a GOOD credit score. To help you visualize this, here’s a rating scale (recognize that there are no official brackets; this is just an approximation of a continuous range):

Credit Sesame

Credit score rating

The image above is a scale from Credit Sesame. According to Credit Sesame, a GOOD credit score rating ranges from 680-739 and an EXCELLENT credit score is anything above 740.

Credit Karma

Credit score rating

The chart from Credit Karma suggests that a GOOD credit score is generally between 700 and 750.

Equifax

Here is an older image from the now retired Equifax Credit Score Card™. According to Equifax, a GOOD credit score rating ranges from 725-759, and an EXCELLENT credit score is anything above 760.

Credit score rating

Check Your Credit Scores for Free*

If you don’t know your credit scores yet, you can use some of the sites listed below to gain access to your credit scores.

Credit score rating

Credit score rating

Credit score rating

* There is currently no free option for Equifax. You can get your score directly from Equifax for a one-time fee of $19.95.

Click the following link for more information on how to get your credit scores for free.

How Your Credit Worthiness Affects Your Borrowing Costs

Overall, your scores do a very good job of predicting how likely you are to repay your debt. Therefore, lenders rely heavily on credit scores to determine whether or not to loan you money. Your credit score also determines what price you’ll pay, in the form of interest charges and other fees. Typically, people with higher credit scores receive lower interest rates compared to people with lower credit scores.

To give you an idea of how your credit score affects your interest rate, here’s an example of 30-year mortgage interest rate for a $300,000 loan from the myFICO web site (data as of May 9, 2013):

Factors that Impact Your Credit Score

Credit score rating

Your credit score is a number generated by a mathematical formula. This formula analyzes information in your credit report to derive your credit score — a number ranging from 300 to 850. Your credit score is a reflection of your credibility (creditworthiness). Here are some of the key factors that affect your credit score rating:

  • Payment history – Did you miss a payment? How much was it, and how long ago did it happen? Your credit score will be better if you never miss a payment.
  • How much do you currently owe – Your credit score could be negatively affected if you owe too much money.
  • Credit history — How long have you been using credit? The longer the better; that’s why many credit experts recommend that you do not close your credit card accounts.
  • Application for credit — When was the last time you applied for a loan? Was it approved, or was your application rejected? A string of loan and/or credit card applications could raise a flag and lower your score.
  • Credit mix — A good variety of loans generally helps your scores, e.g., home loan, car loan, student loan, business loan, and credit cards.

Good Credit Score Alone is Not Enough

You can do your best to approximate a desirable credit score, but there is no standard that dictates what a good score is. As such, it’s possible that you may be surprised by the interest rate offered on your next loan. What happens if your lender asks you to pay a high interest rate despite your good credit? Or worse, what if the bank doesn’t lend you the money?

This could mean a few things:

  1. The lender may be looking at a report that’s using a different system than the scoring scale you are looking at.
  2. Something could have changed since the last time you checked your credit scores.
  3. Your income is too low, or too unpredictable — e.g., you’re self-employed or a small business owner.
  4. Your debt-to-income ratio is too high — perhaps you have too many outstanding debt obligations.
  5. Your lender may have a very strict lending guideline.

When this happens, you might consider working with another lender or delay your loan application to give yourself time to improve your credit score.





Credit Report, Credit Score and Credit Rating – Office of Consumer Affairs, credit rating.#Credit #rating

Credit Report, Credit Score and Credit Rating

Along with the credit histories of millions of other people, your credit history is recorded in files maintained by at least one of Canada’s major credit-reporting agencies: Equifax Canada and TransUnion Canada. It is possible to obtain your credit file for free. Please consult the agencies’ websites in order to obtain more information. These files are called credit reports. A credit report is a snapshot of your credit history. It is one of the main tools lenders use to decide whether or not to give you credit.

Your credit file is created when you first borrow money or apply for credit. On a regular basis, companies that lend money or issue credit cards to you, including banks, finance companies, credit unions, retailers, send specific factual information related to the financial transactions they have with you to credit reporting agencies.

Summary of methods to request your credit report and their respective characteristics

Internet

Credit Score

Your credit score is a judgment about your financial health, at a specific point in time. It indicates the risk you represent for lenders, compared with other consumers.

There are many different ways to work out credit scores. The credit-reporting agencies Equifax and TransUnion use a scale from 300 to 900. High scores on this scale are good. The higher your score, the lower the risk for the lender. Lenders may also have their own ways of arriving at credit scores. In addition, lenders must decide on the lowest score you can have and still borrow money from them. They can also use your score to set the interest rate you will pay.

Credit Rating

Some credit-reporting agencies report the lenders’ rating of each of your credit history items on a scale of 1 to 9. A rating of 1 means you pay your bills within 30 days of the due date. A rating of 9 means that you never pay your bills at all or that you have made a consumer debt repayment proposal to the lender. A letter will also appear in front of the number: for example, I2, O2, R2. The letter stands for the type of the credit you are using.

  • I means you were given credit on an installment basis, such as for a car loan, where you borrow money once and repay it in fixed amounts, on a regular basis, for a specific period of time until the loan is paid off.
  • O means you have open credit such as a line of credit, where you borrow money, as needed, up to a certain limit and the total balance is due at the end of each period. This category may also include student loans, for which the money may not be owing until you are out of school.
  • R means you have revolving credit, where you make regular payments in varying amounts depending on the balance of your account, and can then borrow more money up to your credit limit. Credit cards are a good example of revolving credit.

The most common ratings are R ratings. These are known as North American Standard Account Ratings and are the most frequently used. The R indicates that the item being described involves revolving credit. If you always pay on time, it will be coded an R1. If an amount was written off because you never paid it back, it is coded R9. The R ratings are a coding system that translates on time , one month late , two months late , etc. , into two-digit codes. 3





Irish Credit Bureau – Credit Referencing Agency – Dublin, Ireland, credit rating.#Credit #rating

credit rating

2. How do lenders know about my previous loans?

Credit rating

Credit rating

Credit rating

Credit rating

Credit rating

Credit rating

So, the ICB reflects a full picture of your credit history, good and/or bad.

3. Is my lender allowed to check my credit history?

4. Who makes the Lending Decisions:

5. What information do lenders send to the ICB?

6. Can I get a copy of my credit report?

Please remember to sign your form as it will not be possible for ICB to process forms without your signature.

7. Can the ICB give me a credit report over the phone?

8. Processing time for Application forms

9. What if there is a mistake on my report?

Credit rating

Credit rating

By law, financial institutions must ensure that information they hold or give to anyone else about you is correct and up to date. So you have the right to insist that they correct any incorrect information about you.

10. Can I get bad credit details removed from my report?

11. Searching reports in respect of a Company

12. What is a Credit Bureau Score (CBS)?

13. Will I always have a CBS?

14. How is a CBS used?

15. May a CBS be of benefit to me?

Credit rating

Credit rating

Credit rating

17. Who designed the CBS systems provided by ICB?

Credit rating

Credit rating

FICO developed the Global FICO Score (GFS) which is a universal scoring model used throughout the financial world.

18. How is a CBS calculated?

19. Where may I find a CBS on my Credit Report?

Credit rating

20. What is the range of possible values for each CBS?

Not all ICB Members request a CBS from ICB. If a CBS is not present for an enquiry on your report, it is because the Member who made the enquiry did not request a CBS, the loan(s) has been opened very recently, or there has been no activity on the loan(s) for some time.

21. Will a high CBS ensure a successful credit application?

22. Will a low CBS cause an unsuccessful credit application?

23. May a CBS be improved?

Credit rating





Bad Credit History and Rating, credit rating scores.#Credit #rating #scores

Bad Credit History and Rating

Your history tells creditors about behaviors that can add up to a good or bad credit rating. Here are some questions lenders might ask that may help them understand your credit history:

  • Do you pay your bills on time?
  • How long have you used credit?
  • Have you opened several credit cards in a brief time frame?
  • How much debt do you have compared with your available credit limit?

How to Improve a Bad Credit History

Credit scores are tools used by lenders to evaluate the answers to those questions. They help determine the risk that you will not be able to repay a debt as agreed.

You can improve your credit report if you know what it contains. Although you can t rewrite history, the passing of time will remove negative credit information from your report. Weak credit scores don t necessarily mean you won t obtain credit. You can get rid of bad credit habits, restore your positive credit history, improve your credit scores and use credit to your advantage.

Review Your Free Experian Credit Report Today

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The information contained in Ask Experian is for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding your particular situation. Please understand that Experian policies change over time. Posts reflect Experian policy at the time of writing. While maintained for your information, archived posts may not reflect current Experian policy. The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future post.

2017 Experian Information Solutions, Inc. All rights reserved. Experian and the Experian marks used herein are trademarks or registered trademarks of Experian Information Solutions, Inc. Other product and company names mentioned herein are the property of their respective owners.





Bad Credit History and Rating, how to improve credit rating.#How #to #improve #credit #rating

Bad Credit History and Rating

Your history tells creditors about behaviors that can add up to a good or bad credit rating. Here are some questions lenders might ask that may help them understand your credit history:

  • Do you pay your bills on time?
  • How long have you used credit?
  • Have you opened several credit cards in a brief time frame?
  • How much debt do you have compared with your available credit limit?

How to Improve a Bad Credit History

Credit scores are tools used by lenders to evaluate the answers to those questions. They help determine the risk that you will not be able to repay a debt as agreed.

You can improve your credit report if you know what it contains. Although you can t rewrite history, the passing of time will remove negative credit information from your report. Weak credit scores don t necessarily mean you won t obtain credit. You can get rid of bad credit habits, restore your positive credit history, improve your credit scores and use credit to your advantage.

Review Your Free Experian Credit Report Today

Good credit begins with knowing where your credit is today. Get started with your free Experian Credit Report, updated every 30 days on sign in. No credit card required.

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Thinking about freezing your credit? Find out the seven things you should consider before taking any action.

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  • Products Products
  • Free Credit Report
  • Credit Score
  • Experian Credit Lock
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  • View Your Report Again
  • Security Freeze
  • Fraud Alert
  • Identity Theft Victim Assistance
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  • Education Advice Education Advice
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  • Improve Your Credit Score
  • FICO Score Ranges
  • Credit Repair
  • How to Build Credit
  • Understanding Credit Scores

Get the Free Experian app:

Our policies for Ask Experian:

The information contained in Ask Experian is for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding your particular situation. Please understand that Experian policies change over time. Posts reflect Experian policy at the time of writing. While maintained for your information, archived posts may not reflect current Experian policy. The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future post.

2017 Experian Information Solutions, Inc. All rights reserved. Experian and the Experian marks used herein are trademarks or registered trademarks of Experian Information Solutions, Inc. Other product and company names mentioned herein are the property of their respective owners.





10 Things You Can Do To Improve Your Credit Score, how to improve credit rating.#How #to #improve #credit #rating

10 Things You Can Do Today To Improve Your Credit Score

Bad credit is both stressful and costly, but it s not the end. As hopeless as the situation might seem, bad credit won t last forever. There are things you can do right now to begin improve your credit score.

How to improve credit rating

To start working on your credit score, you have to know exactly what you need to work on. Since your credit score is based on the information in your credit report, the first place you should go to improve your credit score is your credit report.

Order copy of your credit report from each of the three major credit bureaus to identify the accounts that need work. You can get free copy of your credit reports from each of the major bureaus from AnnualCreditReport.com. More

Continue to 2 of 10 below.

You have the right to an accurate credit report. This right allows you to dispute credit report errors by by writing to the credit bureau or the creditor who listed the account on your credit report.

Don t think that errors are meaningless. Errors can hurt your credit score more than you think. For example, an inaccurately reported late payment could bring your credit score down 60 to 110 points depending on the other information in your credit report. More

Continue to 3 of 10 below.

New credit card purchases will raise your credit utilization – the ratio of your credit card balances to their respective credit limits. The higher your balances are, the higher your credit utilization is, and the more your credit score is affected.

Pay cash for purchases instead of putting them on your credit card to minimize the impact to your credit score. Even better, if you can avoid the purchase completely, use that money to reduce your credit card balance. Lowering your balances helps improve your credit score. More

Your payment history makes up 35% of your credit score. The further behind you are on your payments, the more it hurts your credit score. Get caught up on your credit card payments before they are charged-off or sent to a collection agency.

Talk to your credit card issuer about your missed payments. They may be willing to re-age your account so your credit report shows your account has always been paid on time. More

Continue to 5 of 10 below.

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As long as you re in credit repair mode, you should avoid making any new applications for credit since credit inquiries can hurt your credit score. Opening a new credit account also lowers your average credit age, another action that hurts your credit score. More

You might be tempted to close credit card accounts that have become delinquent, but wait. Before you close any account make sure it won t negatively affect your credit. For example, closing a credit card with a balance can hurt your credit score. It s very rare that closing a credit card will improve your credit score.

Leaving an account open also provides you with a tradeline that can benefit your credit score as long as you re making timely monthly payments. More

Continue to 7 of 10 below.

Right now they re certainly the last people you want to talk to, but you d be surprised at the help you might receive if you call your credit card issuer. If you re having trouble, talk to your creditors about your situation. Many of them have temporary hardship programs that will reduce your monthly payments until you can get back on your feet.

The amount of debt you re carrying is 30% of your credit score. You ll have to start paying off your debts to improve your credit situation.

Get creative about coming up with extra money to pay off your debt. For example, you could drive for a ride sharing service or sell some things on an online auction website for extra cash. It will take some sacrifice, but the financial freedom you gain – and the credit score points you gain – will be worth it. More

Continue to 9 of 10 below.

Resources, like consumer credit counseling, are available to assist you. If you are overwhelmed by your credit situation, seek professional assistance. You can locate a credit counseling agency through the National Foundation for Credit Counseling. You can also refer to your credit card billing statement for a phone number to call if you re experiencing trouble making your payments. More

Patience isn t a factor that s used to calculate your credit score, but it s something you need to have while you re repairing your credit. Your credit wasn t damaged overnight, so don t expect it to improve in that amount of time. Continue paying your debts on time each month and over time you will see your credit score improve.

How to improve credit rating





Credit report: Check your credit score for free, free credit rating check.#Free #credit #rating #check

Check your credit report for free

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Free credit rating check

Updated August 2017

Checking your credit report is in good shape is important if you want to get a mortgage, credit card, loan and more. The big credit reference agencies try to lure you in with free month-long trials, but as you can now see all your credit reports for free, there’s no need to pay at all.

This guide explains how you can check your credit reports for free or even how to get paid to check them. Plus, we’ve launched our revolutionary free MoneySavingExpert.com Credit Club which allows you to check your Experian Credit Report for free.

In this guide.

Why you should check and what you should check

There are three credit reference agencies, Equifax, Experian and CallCredit, and they all hold information on you which lenders use. Even small errors can cause problems, so it’s important you check through your credit report. Most of this is explained in detail in our How to Boost Your Credit Rating guide, but below is a quick checklist.

3. If you no longer have joint accounts with someone, ensure you financially delink (ie, separate).

4. Always check your credit reports after rejection. Read why here.

5. Cancel unused credit and store cards. Find out why unused cards can count against you.

Should I check all three credit reports?

If you’re doing a specific application for a company and you know which credit reference agency it uses, it’s obviously a priority to check that one. But as a general housekeeping rule we suggest you check all three credit reports at least once a year, because they all have an impact.

Don’t worry about over-checking your credit report. It’s not recorded on it, and it’s something that only you and the credit reference agency will know about. Check EVERY detail and do it regularly. PLUS always check before making any big applications to minimise your risk of rejection. It can all be done online, it’s quick and easy.

However, if time is short and you can only use one, then choose Experian (the biggest) or CheckMyFile (checks Equifax and Callcredit). It’s a good idea to do a check-up roughly every 12 to 18 months. Always do one in good time before making any important applications.

Your right to check your file (costs Ј2)

The most important thing to tell you is that you have a legal right to check your credit report. This is because it’s important you know the information that companies have on you. Here’s how to check, however before you read it please see our information on how to check for free and how to get paid to do it.

The checks are all done online so they’re quick and easy to do (and are much more efficient than the old mail-only method).

The statutory report contains your personal details, info on financial links to other people, whether you’re on the electoral roll, the credit accounts you have, any missed payments or defaults, and a list of other recent searches of your credit report (though these only stay on your file for a maximum of one year). All three credit reference agencies will provide you with a statutory report:

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The MSE Credit Club – now includes Experian Credit Report

Free credit rating check

We’ve launched our revolutionary, FREE MoneySavingExpert.com Credit Club – a brand new way for you to keep track of your credit record. You can sign up here – please give us feedback on it. Here are the six things it does:

  • We’ve launched the ability to get your full Experian Credit Report for FREE within Credit Club. See below for full details on how this will work.
  • You’ll get a free Experian Credit Score. This gives you an indicator of how lenders see you when assessing you for credit applications.
  • Our unique Affordability Score. This clever tool helps you work out how much you can afford to borrow, using calculations based on your income and estimated spending.
  • Our unique Credit Hit Rate – this shows your chances of success, as a percentage, of grabbing our top cards and loans.
  • Eligibility tool to show your best credit deals. It reveals the likelihood of you getting top credit cards or loans.
  • Your credit profile explained. It shows the key factors affecting your score and how to improve them.

How to check your full credit report for FREE

Free credit rating check

Credit reference agencies used to make all their money from selling data to lenders. The idea was to help lenders predict your behaviour, which allowed them to assess whether or not you were a good person to lend to.

Then some bright spark at the credit reference agencies realised they could generate a business called “consumer credit management”. It meant they could start to sell you monitoring products and all the other sorts of data, including your “credit score”, for the first time. You may ask why they sell it to you? Well, it makes them money, and sometimes up to Ј180 a year.

It used to be that the only way you could check your score for free was to sign up to 30-day free trials of these services, and then cancel before the time’s up so you don’t get charged. Yet, now, you can check your report on all three agencies for free every month – though they’ll make money if you apply for credit cards and loans through them.

Which way you choose to check your report will depend on what’s most important to you – a full monitoring service free for 30 days, or a more basic, but free-for-life service. Here’s how to do it, broken down by agency.

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Credit Report, Credit Check – Free Credit Score, Experian, credit rating check free.#Credit #rating #check #free

Your Experian Credit Score.

Your Experian Credit Score , updates available every 30 days

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How your Experian Credit Report Score can help you

Your Experian Credit Score is a straight forward way of showing how lenders may view you, based on information in your Experian Credit Report. The better your credit score the better your chances are of getting a credit card, a loan or even a mortgage, along with great rates for each. Your Experian Credit Report allows you to see the information lenders use when carrying out a credit check.

If you have a low score or there is room to improve, checking your credit report can help you see whether the information on it is correct and understand what could be affecting your score.

To find out your options for viewing your Experian Credit Score or Experian Credit Report, see which product is right for you.

Your personal details are in good hands

Experian takes data security very seriously and we are always reviewing and improving our measures to keep your information safe. Experian is unaffected by the recent Equifax data breach.

We have lots of resources to help you look after your personal details – here’s information on protecting yourself and spotting the warning signs of identity fraud.

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Credit rating check free Credit rating check free Credit rating check free Credit rating check free

*A monthly fee of ВЈ14.99 applies after your free trial. You may cancel during your 30-day free trial without charge. New customers only. Free trial period starts on registration – further ID verification may be required to access full service which may take up to 5 days.

Experian acts as a credit broker and not a lender in the provision of its credit cards and personal, car finance and guarantor loans matching services, meaning it will show you products offered by lenders and other brokers.

Experian acts independently and although CreditMatcher shows products for a range of lenders and other brokers it does not cover the whole of the market, meaning other products may be available to you. CreditMatcher services are provided free however we will receive commission payments from lenders or brokers we introduce you to. Information about the commission we receive from brokers for mortgages and secured loans can be found in our help section.

Eligibility Ratings are available for credit cards and personal loans only.

‡‘Most trusted’ based on 61% of 1057 respondents, ICM Unlimited survey June 2017.

CreditMatcher and CreditExpert are provided by Experian Ltd (Registered number 653331). Experian Ltd is authorised and regulated by the Financial Conduct Authority (firm reference number 738097). Experian Ltd is registered in England and Wales with registered office at The Sir John Peace Building, Experian Way, NG2 Business Park, Nottingham, NG80 1ZZ. The web monitoring feature and its alerts within CreditExpert is not FCA regulated activity.

Copyright 2017, Experian Ltd. All rights reserved.

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Credit Report, Credit Check – Free Credit Score, Experian, credit rating free.#Credit #rating #free

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  • Use our UK-based call centre if you need guidance or have any concerns about your report, score or fraud
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  • Receive support from a dedicated caseworker if you are a victim of fraud

How your Experian Credit Report Score can help you

Your Experian Credit Score is a straight forward way of showing how lenders may view you, based on information in your Experian Credit Report. The better your credit score the better your chances are of getting a credit card, a loan or even a mortgage, along with great rates for each. Your Experian Credit Report allows you to see the information lenders use when carrying out a credit check.

If you have a low score or there is room to improve, checking your credit report can help you see whether the information on it is correct and understand what could be affecting your score.

To find out your options for viewing your Experian Credit Score or Experian Credit Report, see which product is right for you.

Your personal details are in good hands

Experian takes data security very seriously and we are always reviewing and improving our measures to keep your information safe. Experian is unaffected by the recent Equifax data breach.

We have lots of resources to help you look after your personal details – here’s information on protecting yourself and spotting the warning signs of identity fraud.

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South Africa s credit rating has been cut to junk status – BBC News, credit rating canada.#Credit #rating #canada

South Africa’s credit rating has been cut to junk status

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    South Africa’s credit rating has been cut to junk status by the ratings agency S P Global.

    The agency said that political upheaval, including the recent sacking of finance minister Pravin Gordhan, was endangering the economy.

    S P also expressed concern over government debt, and in particular the expense of supporting the state energy firm Eskom.

    The news put more pressure on the rand, which was down 2% against the dollar.

    The sacking of Mr Gordhan, seen as a safe pair of hands and with a reputation for financial prudence, led to a 4% fall in the rand on Friday and prompted strong criticism.

    His replacement as finance minister by Malusi Gigaba was part of a cabinet reshuffle by President Jacob Zuma.

    However the country’s deputy president, Cyril Ramaphosa, called Mr Gordhan’s sacking “totally, totally unacceptable” and Gwede Mantashe, secretary-general of the ruling African National Congress (ANC), also opposed it.

    The financial downgrading is likely to make it more expensive for South Africa to borrow money on the international markets, as lending to the country would be seen as riskier.

    ‘Trust eroded’

    S P explained its decision, stating that: “Internal government and party divisions could, we believe, delay fiscal and structural reforms, and potentially erode the trust that had been established between business leaders and labour representatives (including in the critical mining sector).”

    “An additional risk is that businesses may now choose to withhold investment decisions that would otherwise have supported economic growth,” S P added.

    The agency also raised concern about the level of borrowing by state energy firm Eskom.

    The government guarantees 350bn rand ($25bn) of its debt, which is equivalent to about 7% of the nation’s economic output.

    For his part, Mr Gigaba spoke at the weekend of plans to “radically transform” the country’s economy.

    While he has a track record of policymaking, most recently as home affairs minister, he lacks a background in economics.

    That prompted criticism that Mr Gigaba was too inexperienced for the job.

    In 2014, the ANC adopted “radical economic transformation” policies to boost the economic position of the black majority in the post-apartheid nation.

    But many in the ruling party believe the process has been “too slow and in many instances superficial”, said Mr Gigaba on Saturday.

    “The ownership of wealth and assets remains concentrated in the hands of a small part of the population,” he said.

    But Mr Gigaba added that he did not “seek to implement a reckless lurch in a particular direction”.

    “We will stay the course in terms of the fiscal policy stance approved by government,” the new minister said.

    South Africa’s economy expanded by 0.3% in 2016, compared with 1.3% in the previous year.

    Junk status

    S P lowered its credit rating on South African government debt from BBB- to BB+, which makes the debt “non-investment grade” or “speculative”, or in the shorthand term, “junk”.

    If another ratings agency follows suit, many international investment funds, under their owns rules, will be unable to lend to the South African government by buying its bonds, which are glorified IOUs.

    On Monday, Moody’s Investors Service placed South African government debt on review for a possible downgrade.

    Like S P it expressed concern over the political upheaval: “Moody’s could downgrade South Africa’s issuer rating if the rating agency were to conclude that recent events signalled a deterioration in the effectiveness of government or in the credibility of its policy-making.”





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    Don t max out your credit card. If you owe money on your card, you should try and ensure it isn t more than a third of your overall credit limit. If you often own much more than this, then lenders might start to worry about lending you any more money as they will be concerned you might not be able to keep up with repayments.

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    Make sure payments go out on time by setting up direct debits and standing orders wherever possible. It’s easy to forget a payment so setting up direct debits and standing orders with your bank will ensure payments go out on time. This will also ensure you won t be stung by any penalty charges or fees for paying late, which could have a negative impact on your credit rating.

    Shut down credit accounts you no longer use

    If you ve got credit cards or other credit accounts which you don t need any more, shut them down as soon as possible. When lenders look at your credit file, they focus on the total amount of credit available to you, as opposed to the amount you actually owe, so having lots of open accounts could reduce your credit rating.

    Pay on time

    Missing or late loan or credit card repayments will work against you and leave a black mark on your credit file. Make sure you always pay on time as this will show lenders that you are good at managing your money.

    Other factors which can have an impact

    As well as looking carefully at your credit history, when you apply for credit lenders will also want to check how long you have been a UK resident. If you have only recently moved here, you may have to wait at least three months before you apply for a credit card. You may also have to show proof of your income and provide evidence of employment.

    How our site works

    We want to show you as many credit reporting companies as possible, so you can choose the one that suits you best. We can t promise to show you every single company, because some don t want to be included on comparison websites. We ve ranked the companies according to the fee they pay us, from highest to lowest. This doesn t necessarily mean that the company at the top of the list is the best one for you make sure you compare them to find the one that suits you best. You can find out more about how we work here.





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    Credit Angel

    £14.99 per month

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    See how your social media activity can affect your ability to gain credit

    Credit and Fraud alerts

    Tailored finance deals, savings and vouchers

    Comprehensive support from Credit Angel’s expert Customer Care Team

    Credit report

    You can boost your chances of being accepted for a credit card or loan by finding out your credit score first. Knowledge is power, so being in the know by being party to the same information as the lender, will place you in a much stronger position.

    Are you aware of what sort of information is held on your credit file? Unless you regularly check your file, the chances are you don t know, but finding out can help you work out the best ways to improve your rating.

    The information held on your credit file helps lenders to decide whether or not they will accept your credit card, mortgage, loan or even mobile phone contract application.

    If you know you ve made a few financial slip ups in the past and your credit score could be better, or you ve never borrowed and so haven t yet built up a credit history in the first place, there are steps you can take to improve your rating so you are more likely to be accepted if you want to take out a loan or apply for a credit card.

    Are you on the electoral roll?

    If you have registered to vote, then you should already be on the electoral roll at your current address. The electoral roll is used by many companies to check you are who you say you are, so they can ensure someone else isn t using your identity fraudulently to make credit applications in your name. If you’re not registered on the electoral roll, you ll need to get in touch with your local council and request a registration form, or alternatively you can register online.

    Are you already a borrower?

    It might sound odd, but if you ve never borrowed money before, lenders are likely to see this as a negative. They want to know that you can manage your money responsibly, and if you have never borrowed, this cannot be demonstrated. If you haven t ever had a credit card or loan, it may therefore be worth opening an account in order to create a credit history but make sure you repay what you owe and on time, otherwise you could end up with a black mark on your credit file.

    Check your credit rating

    Are you certain that the information held about you is absolutely right? It is worth checking your file to make sure that it does not contain details that are wrong and could restrict your chances of being accepted credit. You can get a copy of your credit report at our credit monitoring service. And if you find any inaccuracies you can apply to the relevant agency to get them changed.

    County Court Judgments (CCJs)

    If you’ve had a County Court Judgement against you which has now been settled, make sure this is recorded on your credit file, as having one which hasn t yet been settled can have a very negative impact on your credit rating. If your CCJ isn t showing up as being settled, ask the court to provide confirmation details and pass these on to the credit rating agencies.

    Don t make repeated applications

    If you are turned down for credit, don t be tempted to make lots of other applications elsewhere. These will leave a footprint on your credit file which could work against you as lenders might think you are desperate to borrow money, or that you are victim of identity fraud. Before making any credit application, get hold of a copy of your report so you know how strong your credit rating is, and only make applications for deals you are confident you will be accepted for.

    Change of circumstances

    If your personal situation has changed, for example, you ve got divorced or lost your job, and you are finding it difficult to make ends meet, you must let lenders know as soon as possible. You can put a Notice of Correction on your credit file explaining why you might have missed any payments. Lenders should take this into consideration when you make a credit application, particularly if you are able to show you have subsequently got back on track financially.

    Keep borrowing in check

    Don t max out your credit card. If you owe money on your card, you should try and ensure it isn t more than a third of your overall credit limit. If you often own much more than this, then lenders might start to worry about lending you any more money as they will be concerned you might not be able to keep up with repayments.

    Pay on time

    Make sure payments go out on time by setting up direct debits and standing orders wherever possible. It’s easy to forget a payment so setting up direct debits and standing orders with your bank will ensure payments go out on time. This will also ensure you won t be stung by any penalty charges or fees for paying late, which could have a negative impact on your credit rating.

    Shut down credit accounts you no longer use

    If you ve got credit cards or other credit accounts which you don t need any more, shut them down as soon as possible. When lenders look at your credit file, they focus on the total amount of credit available to you, as opposed to the amount you actually owe, so having lots of open accounts could reduce your credit rating.

    Pay on time

    Missing or late loan or credit card repayments will work against you and leave a black mark on your credit file. Make sure you always pay on time as this will show lenders that you are good at managing your money.

    Other factors which can have an impact

    As well as looking carefully at your credit history, when you apply for credit lenders will also want to check how long you have been a UK resident. If you have only recently moved here, you may have to wait at least three months before you apply for a credit card. You may also have to show proof of your income and provide evidence of employment.

    How our site works

    We want to show you as many credit reporting companies as possible, so you can choose the one that suits you best. We can t promise to show you every single company, because some don t want to be included on comparison websites. We ve ranked the companies according to the fee they pay us, from highest to lowest. This doesn t necessarily mean that the company at the top of the list is the best one for you make sure you compare them to find the one that suits you best. You can find out more about how we work here.





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