Up to 40 per cent have not made key checks on their credit rating or electoral roll entry
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Tuesday 29 December 2009
Saturday 26 December 2009
Unless you have been living in a cave, you'll know it has become much harder to borrow money, whether it is a loan, a credit card or mortgage. Lenders look at your credit score when deciding whether or not to lend you cash, and that's based on your borrowing history. So how can you polish up your rating in order to qualify for the best possible deals?
Wednesday 23 December 2009
Moody's Investors Service cut Greece's debt rating yesterday but partially reassured financial markets by saying that the country remained far from a crisis, igniting a rally in Greek bonds and bank stocks.
Saturday 12 December 2009
Britain's credit rating is secure for now but could be cut if the Government fails to show it can rebuild the public finances by 2013, Moody's said yesterday, in the first public statement from a major credit rating agency since Wednesday's pre-Budget report.
Sunday 13 September 2009
I have always found it an injustice that those who look to shop around for a loan, credit card or mortgage actually risk damaging their credit rating in the process. It goes like this – each time a potential lender checks out your credit file it leaves a trace. If the consumer is turned down – for whatever reason – the trace turns into a great big muddy mark and, in these straitened lending times, this can be enough to bar the individual from accessing credit elsewhere.
Saturday 29 August 2009
Lenders are increasingly only offering their best rates to existing customers – and Nationwide Building Society has followed the trend. It is offering the market-leading unsecured personal loan rate at 7.7 per cent, but you can only apply if you have a FlexAccount – Nationwide's current account.
Sunday 16 August 2009
Monday 10 August 2009
Businesses are finally finding it easier to get credit, though they are having to pay more for it, the Confederation of British Industry has said.
Sunday 02 August 2009
Credit has never been so difficult to obtain and tight conditions have meant that many lenders are only willing to deal with an elite group of people who have almost perfect credit histories and an easily provable income stream.
Saturday 18 July 2009
Monday 13 July 2009
Lenders are reporting a rise in mortgage application fraud as consumers try to get around their tight lending criteria, a trade body said today.
Wednesday 01 July 2009
Sunday 28 June 2009
Lenders are still being cautious after research from price comparison service uSwitch.com shows that at least one in 10 consumers have had a credit card application rejected in the past year.
Wednesday 24 June 2009
Wednesday 03 June 2009
The Independent's live blog of today's Premier League action
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Scottish referendum results: Cross-party consensus collapses amid Tory-Labour spat on the 'English question'
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Archbishop of Canterbury admits doubts about existence of God
Portuguese academic says British are 'filthy, violent and drunk'
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