Does your credit record contain the correct information? While many people will have heard of the term credit record, research from credit card provider Aqua shows that less than half of people have checked their own file to see what it contains.
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Friday 20 August 2010
Question: I can't seem to remortgage to move house for love nor money, having tried two lenders – with a third midway through application. It's very surprising as I've £48,000 in equity and £12,000 savings to put into the next property which should give me a healthy loan-to-value of roughly 75 per cent. The only downside that I can think of is a £2,000 overdraft that I don't often climb out of – and three unauthorised overdraft penalties in 12 months. But that's the only debt I have and I earn £30,000 a year. What am I doing wrong?
Thursday 22 July 2010
Outlook Given the kicking the three big American credit-ratings agencies have taken for their failures during the financial crisis, they can hardly be surprised to see would-be rivals emerging. There is already talk of the launch of a new European agency, but the greater threat to Standard & Poor's, Moody's and Fitch might come from China.
Tuesday 13 July 2010
The ratings agency Standard & Poor's warned yesterday that it might cut Japan's sovereign grade as the ruling party's mauling in a weekend election created new hurdles for the plans of the new Prime Minister, Naoto Kan, to cut huge public debt.
Sunday 11 July 2010
Saturday 10 July 2010
Saturday 26 June 2010
Wednesday 16 June 2010
Outlook The Office of Fair Trading's decision not to impose a maximum interest rate on lenders such as pawnbrokers, payday loan providers and other high-cost lenders is a sensible case of the head ruling the heart.
Friday 14 May 2010
Slowly but surely, America's justice system is waking up to the idea that there is some mileage in going after the banks at the centre of the financial crash of 2008. Hot on the heels of the Goldman Sachs SEC charges comes an investigation by the New York attorney general Andrew Cuomo into whether eight Wall Street banks misled the big credit ratings agencies so they would give the mortgage securities at the centre of the collapse a clean bill of health.
Saturday 08 May 2010
Sunday 25 April 2010
Saturday 24 April 2010
Alexandra Marr, 30, has just returned to the UK after working abroad for seven years as a marketing and public relations consultant. "I've been lucky enough to hit the ground running and have found a lot of work due to my extensive experience in the US and Canada," she says. "But I have no credit history in Britain, so it has been difficult to think of long-term financial goals. My excellent credit scoring in the US and from seven years ago in the UK counts for nothing. I've just had to pay four months' rent up-front and I am having problems applying for all sorts of accounts. I have about $50,000 in savings but it is earning just 0.02 per cent, so I am desperate to at least put some of these savings to work."
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