Tag Archives: credit application

Is your credit report missing information?

By Neil Stone, Experian UK social support team

credit-score-report-history-300x200I’ve been looking to get some improvements done around my home lately. The kitchen has been looking a bit tired so I was thinking about getting a loan to cover the cost.

Before I even contacted my bank, I checked my credit report to make sure that all of my accounts that I expected to be showing were on the report. The more information a lender can see the better picture they will have of my credit history. If you have well run accounts then you want to be sure the lender can see them!

There are times though, when information that you might be expecting to show on your report doesn’t appear. Continue reading

Who decides if you get approved for credit?

In the first of a regular video series that we’ll be hosting on our YouTube channel – the Credit Café –  Experian Experts James Jones and Joanne Leahy explain who decides if you get approved for credit.

This video is one of four short episodes in the ‘Demystifying Credit’ series that we’ll be posting on YouTube, every Friday for the rest of January. Look out for the next one coming soon on our YouTube channel.

Five ways to go about remortgaging

Remortgaging your home can be for a variety of reasons

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.

Continue reading