Applying for a loan or credit can feel like a daunting task. You may not be sure how the process works, whether you’ll be accepted, or the potential impact it could have on your credit score. That’s where a soft credit search can help you make a more informed decision without the added worry. It’s natural to be cautious, and sensible to arm yourself with all the facts before diving in. We’ve put together some answers to help demystify the process and make using our soft search tool a little easier.

Whether it’s finding the time while the kids are huddled under blankets watching their favourite Christmas films or tucked up in bed worn out from the days’ activities, we all need our downtime. That good old saying of needing to put your feet up springs to mind, and we all need that occasionally, right?

When you have poor store credit, buying the things you need on finance can be a nightmare. Whilst you know that you can afford to pay the amounts back in monthly or weekly installments, often the banks or lenders don’t trust you because of your credit rating. This can be a real issue when you need essential items like living room furniture, so how can you get around the issue of poor store? We’re taking a look at what you can do if you need to get furniture but have poor store credit, to help you buy the living room essentials you need.

Improve your credit rating with these top tips! Having a good credit score can be really important in adult life as they assist you in getting loans. Loans are really important to most big purchases in life – be it a house, a car or a mobile phone, so it’s crucial that you understand your credit rating. But what can you do if your credit rating isn’t as good as it could be?