If you have debts that you simply can’t afford to repay, one option is an IVA (Individual Voluntary Arrangement). This is a formal agreement with your lenders in which you’ll repay as much of your debts as possible for an agreed period of time, after which your remaining debt will be written off.
Your payments [...]

We all like to think that we’re good with money and a new survey from CreditExpert, the online credit monitoring and identity fraud protection service from Experian, shows that 96 per cent of us believe we’re up to speed on our current financial position.
No interest in interest
The survey shows:
• 66 per cent of credit cardholders [...]

Modern life depends on our ability to borrow – but what we think contributes to that crucial credit rating and what actually matters are two very different things, as new research from CreditExpert, the credit monitoring and identity fraud protection service from Experian, shows.
With personal debt in the UK hitting an all-time high of £1.3 [...]

If you’ve shopped at TK Maxx since December 2002, your credit or debit card data could have been stolen in the world’s biggest hacker attack.
At least 45.7 million payment cards have been compromised and criminals could be using the account information to run up debts in the names of millions of innocent people.
If you [...]

Over-spending and high borrowings can be a big problem, as the latest Personal Credit Index survey from CreditExpert.co.uk recently found. Around 25 per cent of couples argue about finances and one in 20 split up after rows about money. Jim Hodgkins, managing director of CreditExpert.co.uk answers some of the most common financial worries.
I owe money [...]

Lenders use credit scores to assess the risk that you will not repay what you owe. A credit score is a mathematical calculation based on information from two main sources your credit report and your application. Each piece of information is allocated a value and each lender uses its own formula to calculate a number [...]

An Individual Voluntary Arrangement (IVA) is one of many solutions for people who are in debt and are struggling to make payments. If you’re at the point where you owe so much money that you are struggling to pay even the interest on them, then an IVA is a solution that you may want to [...]

A credit rating affects many things we do – buying a house or car, applying for a loan or a credit card. Unfortunately, many people don’t understand how their credit rating is determined – and many people don’t bother to check it regularly for accuracy.
If you are applying for any kind of loan, you will [...]

Stop searching for secured debt consolidation loans. As licensed credit brokers, we have access to hundreds of different debt consolidation loan plans from many of the top lenders and can match the right loan with individual circumstances.
Click to find out more about: Secured Debt Consolidation Loans available from creditmarket.co.uk
 

Borrow £7,500 to £250,000

Repay over 3 to [...]

The way you’ve handled credit – such as cards, loans and mortgages – in the past can have a real impact on your chances of borrowing what you need in the future. These simple tips should help to improve your credit rating.
1. Understand your credit report
Your credit report is the core of your financial CV. [...]