Tag Archives: Experian CreditExpert

Refused credit? A five-point plan of action

denied-creditIt can be galling when you make an unsuccessful credit application, though it’s worth remembering that being refused for credit is not, in itself, hazardous for your credit rating. While your credit report will show that you applied for a credit card (a credit-application footprint will appear on your report for one year), it will not show the outcome of that application.

 

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How linked are your finances?

Love is in the air..

Does linking hearts also link up credit ratings?

Love is… a many splendoured thing. It’s in the air; it’s like oxygen, it’s even a wonderful colour. But when you choose to formalise your union, how can it affect your credit status?

Well, getting married in itself doesn’t change anything. If you didn’t share a mortgage, a bank account or have any other shared financial arrangements beforehand, then the mere act of saying “I do” at the altar is not going to have any impact. However, certain things are worth bearing in mind.  Continue reading