Why have I been declined credit?
There are number of reasons why a lender may decide to decline your credit application. When you first apply for credit, credit providers such as lenders, phone or utilities companies can check your credit history alongside the information you have provided as part of your application process.
Using credit cards to build your credit profile
Credit cards can be an excellent way of building a strong credit history, as long as you stay on top of your payments.
How can I improve my credit record?
For anyone juggling payments and bills from various essential service providers, from electricity and phone connections to rent or a mortgage, getting on top of their credit score may feel like a looming goal. However, with a few changes, you can begin to repair an unfavourable credit report.
Maintaining your credit worthiness
By following these simple steps, you can monitor and maintain your credit reputation.
Understanding your credit file
Understanding your credit file assists you to make more informed decisions regarding your finances.
Understanding credit reporters
Understanding the role that credit reporters fill is a first step in taking control of your credit reputation.