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Tag Archives: Credit Rating

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Breaking Free: The Power of Paying More Than the Minimum on Your Credit Card

Johnny Debt Posted on 10/12/2023 by Johnny Debt10/12/2023
Power of Paying More Than the Minimum on Your Credit Card

In the fast-paced world of finance, credit cards are ubiquitous tools that offer convenience but often come with a hidden cost: interest rates that can quickly spiral out of control. Many credit card holders fall into the trap of making … Continue reading →

Posted in Debt | Tagged Budgeting, Credit Cards, Credit Rating, Debt, Frugal, Income and Expenditure

Latest Debt Scams and How to Avoid Them

Johnny Debt Posted on 28/10/2023 by Johnny Debt28/10/2023
Latest Debt Scams

Beware of Debt Relief Scams: Protect Your Finances Debt relief scams are a serious concern for those grappling with financial difficulties. These scams make enticing promises of helping you escape debt but often end up swindling your money without delivering … Continue reading →

Posted in Debt | Tagged Credit Rating, Debt, Debt Management Plans, DMP, Harassment, Income and Expenditure, Insolvency

Short-Term Financial Struggles Why Talking to Creditors Matters

Johnny Debt Posted on 07/08/2023 by Johnny Debt07/08/2023
Contact Creditors

Financial difficulties can strike unexpectedly, affecting people from all walks of life. From unforeseen medical expenses to sudden job loss, life’s uncertainties can leave us grappling with short-term financial struggles. In such trying times, one crucial step towards finding a … Continue reading →

Posted in Debt | Tagged Budgeting, Credit Cards, Credit Rating, Income and Expenditure

Evaluating Bankruptcy and Alternatives for Debt Relief

Johnny Debt Posted on 15/07/2023 by Johnny Debt18/08/2023
Dangers of Debt Solutions

Making Informed Debt Choices Dealing with overwhelming debt can be an arduous journey, and finding the right solution requires careful consideration. Bankruptcy and alternative debt relief options, such as Individual Voluntary Arrangements (IVAs) and Debt Management Plans (DMPs), each carry … Continue reading →

Posted in Debt | Tagged Bankruptcy, Credit Rating, Debt, Debt Management Plans, DMP, Individual Voluntary Arrangement, Insolvency, IVA

Top 10 Expert Tips for Repairing Your Credit Rating

Johnny Debt Posted on 19/05/2023 by Johnny Debt29/05/2023
Credit Rating

1 Understanding the Importance of Credit Repair Do you find yourself struggling with a less-than-stellar credit rating? Don’t worry, you’re not alone. Many individuals face challenges when it comes to credit, but the good news is that there are steps … Continue reading →

Posted in Money | Tagged Credit Rating, Money Making, Money Saving

How do Balance Transfers Work

Johnny Debt Posted on 14/05/2023 by Johnny Debt14/05/2023
Cash vs Card

What are Balance Transfers Balance transfers are a common financial tool used by individuals seeking to consolidate and pay off debt. This process involves transferring an outstanding balance from one credit card to another, often with a lower interest rate, … Continue reading →

Posted in Money | Tagged Budgeting, Credit Cards, Credit Rating, Frugal, Income and Expenditure, Money Saving

Impact of Debt Management Plans on Credit Reports

Johnny Debt Posted on 29/04/2023 by Johnny Debt29/04/2023
Credit Rating

Debt is an unfortunate reality for many people in the UK. In fact, according to a report by The Money Charity, the average UK household debt, including mortgages, stood at £60,363 in August 2022. With such high levels of debt, … Continue reading →

Posted in Debt | Tagged Budgeting, Credit Rating, DCA, Debt, Debt Collection, Debt Management Plans, DMP, Income and Expenditure

Credit Scores in Debt Management Plans

Johnny Debt Posted on 14/04/2023 by Johnny Debt14/04/2023
Credit Rating

The Role of Credit Scores in Debt Management Plans Debt management plans (DMPs) are designed to help people struggling with debt to pay off their debts in a structured way. The aim is to reduce monthly payments and make debts … Continue reading →

Posted in Debt | Tagged Budgeting, Credit Rating, Debt, Debt Management Plans, Income and Expenditure

10 Ways to Boost Your Credit Score

Johnny Debt Posted on 12/04/2023 by Johnny Debt12/04/2023
Credit Rating

Following these 10 tips can be an effective way to improve your credit rating. By ensuring that you consistently pay your bills on time, keep your credit card balances low, and regularly check your credit report for errors or fraudulent … Continue reading →

Posted in Money | Tagged Credit Cards, Credit Rating

Offer of Full and Final Settlement Rejected

Johnny Debt Posted on 06/04/2023 by Johnny Debt19/11/2023

My Full and Final Settlement Offer Has Been Rejected Do not despair, a full and final settlement can be a rather slow process. In many cases a creditor or a debt collection agency (DCA) may want to hold out for … Continue reading →

Posted in Debt | Tagged Credit Cards, Credit Rating, DCA, Debt Collection, Debt Collection Agency, Full and Final Settlement, Income and Expenditure, Property, Short Settlement

Get Car Finance with Bad Credit

Johnny Debt Posted on 27/03/2023 by Johnny Debt03/04/2023
Logbook Loans

Contrary to popular belief, possessing a poor credit rating doesn’t necessarily mean that securing car finance is out of reach. In fact, numerous specialist lenders in the UK offer financing options tailored explicitly towards those with subpar credit scores. Although … Continue reading →

Posted in Debt | Tagged CCJ, County Court Judgement, Credit Rating, Debt, Individual Voluntary Arrangement, IVA

When Do Full and Final Settlements Work Best

Johnny Debt Posted on 04/03/2023 by Johnny Debt13/06/2023
sunshine

How to Achieve a Substantial Full and Final Settlement There are a number of things that you need to consider when trying to achieve a large discount in a Full and Final Settlement. In simple terms, the dirtier a debt … Continue reading →

Posted in Debt | Tagged Credit Rating, DCA, Debt, Debt Collection, Debt Collection Agency, Full and Final Settlement, Property

Minimum Payment to Creditor

Johnny Debt Posted on 16/02/2023 by Johnny Debt29/03/2023
Barbed Wire

What is the Minimum Amount I can Pay a Creditor If you are experiencing financial difficulties and have to reduce your payments to creditors, then you would want to make a payment of at least £1 to each creditor. Having … Continue reading →

Posted in Debt | Tagged Credit Rating, DCA, Debt, Debt Collection, Debt Collection Agency, Debt Management Plans, DMP

5 Ways to Improve You Credit Rating

Johnny Debt Posted on 04/02/2023 by Johnny Debt11/02/2023
Credit Rating

How to Improve Your Credit Score Having a bad credit score can present significant challenges in obtaining credit from major loan providers, who always review a borrower’s credit history prior to approving a loan. This unfortunate reality can result in … Continue reading →

Posted in Money | Tagged Credit Rating

Top Ways to Improve Your Credit Rating in 2016

Johnny Debt Posted on 25/02/2016 by Johnny Debt08/02/2023

How to Improve Your Credit Rating A credit rating is one of the most important things in life, and it has a huge effect on your finances in a number of ways. Your credit rating will go a long way … Continue reading →

Posted in Money | Tagged Credit Rating, Debt

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