Got any credit-related questions you’d like answered? We’re joining forces with PayPlan for a Twitter question-and-answer session on Friday (17th April) between 12:30-1.30pm.
It’s your chance to ask our Experian Expert James Jones any credit questions that you have! You can submit questions to him @PayPlan in advance or ask questions to James directly during the hour.
You could also win a £25 Argos voucher in PayPlan’s competition if you submit a credit-related question – you can find details and full terms & conditions HERE. Make sure you mention @PayPlan and use #AskJames.
We know that staying on top of your finances at Christmas time can be tough – here are our five things worth thinking about if you’re shopping around in the next few weeks leading up to the festive holidays.
Behavioural psychologist Jo Hemmings is our guest blogger, discussing money and relationships.
We’re talking about wallet size here. And not really the actual size of the wallet itself or exactly how much cash it contains. But how honest you are about how much money you have, how you like to spend it and whether you’re on the same page as your partner about how you choose to spend it as a couple, rather than as a single person.
Often at the beginning of a relationship, we are so smitten by our partner, that the dizziness of chemistry and anticipation diverts us from whether they have the same approach to spending as ourselves. Continue reading →
If your children run up a huge phone bill, your credit rating could be affected
At what age should you buy your child a mobile phone? It’s probably not a question your parents had to consider. However, a recent study by broadbandchoices.co.uk, where you can now compare mobile phones as well as TV and internet deals, found 90% of kids aged 8-14 have one and, on average, are just 10 when they get their first handset.
Remortgaging your home can be for a variety of reasons
Remortgaging your home can be for a variety of reasons. When you remortgage you either take out a new loan with your existing lender or with another provider – paying off your old mortgage with the money you receive.
Find a better rate Many homeowners on an introductory low fixed or discounted variable rate may find that once that comes to an end, their interest rate and mortgage payments may well go up. This could be a good time to check out whether you can remortgage and get a lower rate elsewhere.
Your credit report is a personal history of your borrowing behaviour – the credit you’ve had, and the repayments you’ve made. So it’s crucial that you want the data and information it contains to be 100% accurate.
In 2013, Experian provided credit reports to around 2 million people, and answered more than 3.5 million calls and requests for help and support. Any discrepancies in credit reports are looked into immediately– in fact, many of the queries received via our award-winning call centre are sent to the lender within one hour of receiving them, raising disputes for people while they are on the phone.