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600+ Business Solutions - Personal loans: payment holiday downsides
Many lenders are offering small business owners payment holidays on their personal mortgages and loans to help ease the financial pressures associated with coronavirus. What are the downsides to these arrangements?Click here -
Tips & Advice You & Your Business - Is your credit record right?
Is your credit record right?..You’ve got a record. Whether you like it or not each of the three credit rating companies, Experian, Equifax and Callcredit, have a file on you. As they’re keen to tell you, the lower your rating the more difficult you’ll find it to borrow or, say, take out a mobile phone contract. A bad record can even rub off on your business. However, recent anecdotal evidence suggests that the information held about you is often out of date. Guilty by association. While incorrect personal...Click here -
Tips & Advice You & Your Business - Avoiding problems with mortgage applications
Apparently, due to stricter lending rules, many directors are having mortgage applications rejected. So if you’re looking to move home or remortgage in the near future, what can you do to improve your chances of a “yes”?Click here -
Tips & Advice You & Your Business - How to maintain a good credit record
These days a good credit rating is vital for small companies to survive. Obviously, paying debts on time is essential, but how you manage your company can also play a big role. What’s the full story?Click here -
Tips & Advice You & Your Business - Correcting errors on your credit file
You must ensure that, for personal and business reasons, you have the best possible credit history and rating. But suppose an error crops up on your credit file through no fault of your own - how can you get it removed?Click here -
Tips & Advice You & Your Business - Can a director’s credit rating affect your company?
You might assume a new company has a clean slate when it comes to opening a bank account. But actually even minor problems in a director’s credit record can cause trouble. How can this be avoided?Click here -
Tips & Advice You & Your Business - Are you trying the new “Finance Finder” website?
Experian has recently launched a free online “SME Finance Finder”. It’s designed to quickly match your funding requirements with appropriate brokers and lenders. Sounds good, but how will it affect the company’s credit score?Click here -
Tips & Advice You & Your Business - Effect of the electoral register on credit
Effect of the electoral register on credit.. New home. If you’re applying for a personal loan or credit card, or have been asked to stand as a guarantor for one on behalf of your company, the financial institution concerned will do a credit check. Part of this involves searching the electoral register. If your name is not on there, perhaps you’ve recently moved home or changed your name, e.g. by marriage, your application stands a good chance of being declined. One time. This problem arises because...Click here -
Tips & Advice You & Your Business - How to avoid wrecking your company’s credit rating
The recession has led banks and other businesses to tighten their belts and only lend to a company if it has a good credit rating. But now some credit scoring agencies are unexpectedly marking some companies down. What’s going on?Click here
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