A few key factors tend to influence your borrowing capacity under all circumstances. But there is actually a single important factor that helps in determining whether you can own a home or not. Gaining a fair idea of how much you can borrow is of great help when you’re considering multiple properties simultaneously. Once you...
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Simple Ways to Improve Your Credit Score
Have you applied for car finance recently but did not get approved because of bad credit? There are numerous factors that can affect your application for loans or a new line of credit, and among these factors, your credit standing plays a crucial role. You may feel that you have met all the other requirements...
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How to Get a Car Loan if you Have Bad Credit?
Driving a car is an everyday need for many people, especially for those who live in a city where transportation is not reliable or cannot allow them to be on time for their commitments. Unfortunately, buying a car is probably the most expensive purchase you will make, other than a house, which is why many...
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The Credit Crunch: Simple Solutions To Your Credit Woes
Credit can be so useful. Especially in an emergency, but it can also be such a hard thing to manage and keep in check. Not keeping it in check though, can result in some crunch situations that are going to cause you serious problems in life. So to help you deal with these, read on...
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7 Common Credit Rating Myths Debunked
Having a good credit score is one of the most valuable things you can have. It can help you to secure financial assistance and save you thousands of pounds on the cost of credit in the process. On the other hand, if you have a bad credit rating, it can really limit your ability to...
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Escaping The Trap Of Bad Credit
We hear a lot of talk about credit scores these days. Having a bad one can cause you some real problems, and it isn’t that difficult for your score to go down. It might not necessarily be your fault if your credit score is low. Perhaps you ended up in some financial trouble and struggled...
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The Three Steps to Fixing Your Credit
There are a couple of things that you need to know about having less than perfect credit. The first is that there are more people out there whose credit profiles are not nearly as awesome as they’d like them to be—so there is no reason to feel embarrassed about your score or situation. The second is...
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Should You Cancel Old Credit Cards Or Reapply For New Ones?
Most people have at least one credit card. Even if you’re not using the card, and you’re not interested in swapping the balance to another lender, it still might be worth canceling the card and switching to another one. With credit card fraud on the rise, it doesn’t make sense to have a really old...
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Credit Card Debt Weighing You Down?
The world revolves around credit. More and more individuals are dependent on these plastic cards for their daily survival. The problem with this is that you lose financial accountability and sound judgment over a period of time. Without credit cards in the picture, your expenditures will always be limited to one thing – how much...
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How Important Is Your Rental History
How important is rental history when you’re trying to get that new apartment you just viewed? Apartment owners and landlords use a variety of different metrics to determine whether or not your rental application will be approved. Nowadays, your actual credit score may come into play too. But in the end, your history is extremely...