HOME ABOUT THINKING THRIFTY WORK WITH ME CONTACT DISCLOSURE MONEY THRIFTY RECIPES LIFESTYLE REVIEWS MANCHESTER What You Should Do If You Have Been Refused Credit Being refused credit can be so annoyingly frustrating, trust me I’ve been there when I was told I needed credit to be taken seriously for a mortgage. Regardless of who Experian, at the time, were recommending, I was having no luck whatsoever in getting anyone to accept me. Little did I know then, there were ways in which I… How To Build A Credit File Worthy Enough For A Set Of Bankers I’m asked, quite often, how can I build a credit file if I am unable to take out any credit without having anything on my credit file in the first place? It’s one of those annoying little conundrums akin to the job advert that requires you to have experience, yet without someone giving you the chance for you to gain… 10 Horrible Mistakes You’re Making With Your Credit Card Christmas is around the corner and many of us will have turned to the credit card to help cover the cost. If you’ve applied for credit to get you through Christmas you should know exactly what you’re dealing with in order to stay away from common mistakes. In this short guide I’ll explain what you need to stay clear of… How Much Of Your Credit Limit Should You Use? I was recently contacted by one of my good friends who was quite literally foaming at the mouth in anger. One of the best thing about being a personal finance blogger is a year down the line people are choosing your blog posts for you! To improve his credit score he had taken out a high interest credit card… Base Rate Of Interest Drops: What The Fudge Is All The Fuss About? The UK’s media went into a frenzy at the release of the news that Bank of England governor, Mark Carney, is dropping the base rate of interest to a record low of 0.25%. I watched the speech in great anticipation, and, after sifting through the jargon I got together with icount Money to produce an easy to understand infographic… How Your Relationship Can Affect Your Credit Report The last thing you want as an adult is something to mess up your credit report, but when you have met that someone special, joint credit agreements in the future are a very real possibility. From mortgages, joint bank accounts and loans, the moment you make a joint application a link is automatically created on your credit report. Once… How The EU Referendum Improved Our Credit Score Unless you’ve been living under a rock this past year you will be aware, if not a bit bored of hearing, about the EU Referendum – the single most important vote this country has had in decades. With an expected turnout of 80%+ set to vote, it has captured the imagination of the UK public like no general election… How To Be A Pro At First Time Credit Applications I spent years tearing my hair out about declined credit applications. I won’t lie, it was extremely frustrating. I wasn’t in desperate need of the money, I simply wanted to improve my credit score. It was incredibly annoying when I managed my money well and didn’t have any debts. What I lacked was a history. Here is how not to make… How Your Credit Score Affects The Cost Of Borrowing If you want the best possible rates when applying for credit cards and loans you need a good credit score. Furthermore, you need to keep it that way. I’m going to explain why. How lenders make their decision Banks, loan providers and credit card companies use a variety of different ways to credit check you, some being more stringent… Posts navigation 1 2 NEXT PAGE COME AND JOIN ME ON SOCIAL MEDIA TOO!!! JOIN OVER 1,900 SUBSCRIBERS AND NEVER MISS A SINGLE POST! Email * SEARCH BY POPULAR TAGS Apps Banking Borrowing Cheap recipes Children Christmas credit Credit card Credit file Credit history credit rating credit score Currency Current account Debt Exercise Extra income Financial education Financial news Food shopping gas and electric household bills Identity fraud ID fraud Loans Mental health Mis-selling Mortgage New Year payday loans Pension PPI prepaid accounts prepaid cards Retirement Save money Savings account Scams Shopping Slimming World friendly Slimming World ideas Syn free Travel utilities utility bills SEARCH THINKING THRIFTY BLOG Search for: Enjoy this blog? Please spread the word :) Copyright © 2021 Thinking Thrifty