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Kirstie Brown

Kirstie has a degree in Forensic Science from Bristol University, West of England. She is a qualified lifeguard, and a keen runner, having completed the Great South Run twice. Kirstie writes on all topics related to credit.

Myths surrounding your credit report


When applying for credit, lenders will take into account a number of things that will be used to establish whether or not they are willing to lend to you. Having a good credit rating is especially important for many of life’s big moments, such as buying a car, getting a mortgage or taking out loans for weddings or education. By showing to lenders that you are a responsible and stable borrower, this will improve your chances of being offered the best interest rates as well as minimising the chances of being declined for credit outright.

Many consumers still have misconceptions about things that may or may not harm their credit score. A common misconception is that previous occupants of your address can harm your credit score. Unless .....

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13 Jul 2015 by Kirstie Brown Credit Reports

Getting a Loan - Things You Need to Know


If you have never borrowed before, you may be unfamiliar with how to go about applying for a loan.

Before applying, you need to be sure about what you need the loan for, as this will this determine the type of loan you need. Whether you get the loan will depend on its purpose, the amount you wish to borrow in relation to the cost of the underlying purchase and how much you can afford to repay, which in turn will affect the term of the loan. A successful application will also depend on what’s in your credit report and in particular if you have any history of late payments.

There are two types of loan - unsecured and secured.

Unsecured loans

Unsecured loans are aimed at people who want to borrow a relatively sm .....

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