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Christmas shopping has become expensive and bad debt quickly mounts up. shopping and bad debtChristmas is a magical time of the year. It is a time that brings everyone together and enables us to spend time with our loved ones while reflecting on the year that has passed. It is a special time for all and for the whole month of December, and several months prior to that, the Christmas shopping begins.Over the decades, Christmas has evolved. It has gone from being about spending time with family to spending money on gifts, some may say the enjoyment of giving has been surpassed by the expectation of having to purchase the most expensive and up-to-date gifts.Modern Christmas Lists expensive shopping and bad debtChildren put together their Christmas lists, lists that have [...]
Lots of people these days find themselves with a bad credit scores.

Your credit score is a vital part of your life as this will determine how successful you will be when applying for affordable finance, if you have a bad credit score you will find yourself being declined by mainstream.  Lenders will look at your credit score before anything else and if it is not up to scratch you will find yourself being declined, and if you are declined this will impact even further on your existing credit score.

There are a few credit reference agencies out there but the main ones are Experian and Equifax each one will probably have a different credit score for you, for example if you have good credit with one you may fall into poor credit with the other.  Each time you apply for finance from a lender that lender will then allocate you

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